jumbo loans and creative finaacing available for jumbo loans up to 4 million dollars

2.45% CASHFLOW

2.45% Cashflow Option Loan Loan amounts from
400k to 5 mil.

If you are looking for greater control over your monthly mortgage payment in order to better manage monthly cash flow, one of our Cashflow Loan products could be a perfect fit. With this monthly adjustable product, you have the flexibility each month of making one of four possible payments on your mortgage:

Option 1	A minimum payment that is set for 12 months at a reduced rate. This option not only maximizes cash flow each month, but also can defer interest payment on the mortgage loan.
Option 2	An interest-only payment that allows the borrower to pay only the interest due each month without spending monthly cash towards principal. (This option is not available if the payment will be less than the minimum payment. In this situation, no interest is being deferred when the minimum payment is made.)
Option 3	A 30-year fully amortizing payment comprised of both principal and interest
Option 4	A 15-year fully amortizing payment comprised of both principal and interest.

95% Loan to value to 400,000-4.45% payment rate
90% Loan to value to 500,000-2.45% payment rate
80% Loan to value to 800,000-2.45% payment rate
75% Loan to value to 2 million-2.45% payment rate
75% Loan to value 2.01–2.5 mil-2.95% payment rate
70% Loan to value 2.51- 3.0 mil-2.95% payment rate
65% Loan to value 3.01 - 5.0 mil-3.20% payment rate

The interest rate can be based on either the 1-month London InterBank Offered Rate (LIBOR) or the 12-month average of the monthly 1-year Constant Maturity Treasury yields(MTA).

Optional features available include: the ability to have a fixed minimum payment for the first five years of the loan and the ability to increase the term of the loan from 30 to 40 years.

Our Cashflow Option Loan is recommended for borrowers who:

Would like to take advantage of the lower initial interest rates and payments associated with monthly adjustable-rate mortgages and is comfortable with more frequent payment fluctuations due to changing interest rates.
Want mortgage payment flexibility to better manage their monthly cash flow.
Seek competitive interest rates and a choice of indices.
Look for monthly cash flow savings to invest or to reduce high cost credit obligations.
Desire more flexibility in managing their mortgage interest payment to maximize their tax
advantages.*
Wish to be rewarded for their good credit through higher available loan amounts and lower interest rates.

Click here to see an example of how much more cash you can free up compared to a 30 year loan. Please note that the rates used are 2.95% on the cash flow and 7.5% on the 30 year fixed.