We're the lower payments experts!

First we need to define exactly what "lower payments" means to you. Lower your house payments? Or lower all your bills? Or improve your cash flow? Which is your need will define which mortgage strategy we best recommend for you.

If you have over $10,000 in credit card debt or other debt, then debt consolidation should be a part of any new loan we structure for you. We say "part of" because we may be able to accomplish several goals with one new loan!

If better cash flow is your priority and your income or expenses vary widely, you may wish to consider a pay option ARM (see movie by clicking here).

One of the most popular mortgages to lower house payments available today is the thirty-year-fixed interest-only (click for movie) mortgage. It is a traditional, secure, conservative, thirty-year-fixed loan with a rider attached that allows you to make interest only payments for the first five, ten, or fifteen years. Whatever balance then remains will be amortized at the same rate over the remaining term - no phone call, no refinancing, you don't even need to remember.

Other ways to lower house payments is to get rid of PMI, or Private Mortgage Insurance, or to change an adjustable rate mortgage (ARM) to a fixed rate loan, or to combine a 2nd mortgage into a new first.

Last, there's simply choosing a lower rate then what you already have.

We've given you a lot of options - it's our job to make it easy.
Let us know a bit of info and we'll gladly get you some options.

Value of Home
Down Payment (if any) $
Credit is Perfect! 760+ Great 700+ Good 660+ Not Bad 620+ A Bit Rough 580+ Pretty Rough 520+ Tanked - <520
I'll own this property for.. 2-3 years 4-7 years 10-15 years Never Leaving <1 year		comments?
'06 Taxed Income