Power Advantage Loan
Revolutionary new mortgage program that allows you to convert your home mortgage into an incredible wealth enhancing tool.  Allows you to harvest equity along the way to fund college tuition, consolidate debt or to enhance retirement planning.

• Finance up to 95%
• Interest-only payments for the first 10 years of a 30-year term
• Easy checkbook access to your available line of credit
• No borrower paid mortgage insurance, escrows or prepaid interest at closing

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Reverse Mortgages
A reverse mortgage is a loan that enables senior homeowners, age 62 and older, to convert part of their home equity into income—without having to sell their home, give up title to it, or make monthly principle and interest mortgage payments. The loan only becomes due when the last borrower(s) permanently leaves the home.

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FHA Loan Programs
Federal Housing Administration (FHA) insured loans.

• Low down payments
• Low closing cost
• Easy credit qualifying

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VA Loan Programs
Loans provided by private lenders to eligible veterans.

• No down payment
• Easier credit requirements
• No mortgage insurance.

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Fixed Rate Mortgages

• Monthly payments are fixed over the life of the loan and the Interest rate does not change
  • 30 year fixed
  • 20 year fixed
  • 15 year fixed
  • 10 year fixed
• Protected if rates go up
• Can refinance if rates go down

Power Option Loan

• Flexible monthly payments allow you to choose from 4 payment options each month:
  
  • Minimum Amount Due
  • Interest Only Payment
  • 30 Year payment Plan
  • 15 Year Payment Plan
•  Rates and payments may go down if rates improve

Interest Only Loans

• Gives you greater control over one of your largest monthly expenses to help you better manage your cash flow and potential tax liability.
• Depending on the loan program, the first 15 years may provide option to make interest only payments.
• Equity in your home still builds

Adjustable Rate Mortgages

• Lower initial monthly payment
• Lower payment over a shorter period of time
• Rates and payments may go down if rates improve
• May qualify for higher loan amounts
  • 7/1 ARM
  • 5/1 ARM
  • 3/1 ARM
  • 1 year ARM
  • 6 month ARM
  • 1 month ARM