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Testimonial
“I had not been familiar with Pay Option Arm mortgages before. I thought they were something to avoid completely. After having it explained to me, I realized I could lower my monthly mortgage payment AND pay off most of my credit cards with about half as much paid out every month.What a god send to have my monthly bills cut in half and have a totally predictable monthly payment”.
— Gina Hopper
Minimize Payments
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| Amount | Points | Start Rate | Min. Payment | Term |
| $500,000 | 0 | 1.25% | 1324 | 40 |
| $750,000 | 0 | 1.25% | 1986 | 40 |
| $1,000,000 | 0 | 1.25% | 2648 | 40 |
| $1,250,000 | 0 | 1.25% | 3310 | 40 |
| $1,500,000 | 0 | 1.25% | 3972 | 40 |
| $1,750,000 | 0 | 1.25% | 4634 | 40 |
| $2,000,000 | 0 | 1.25% | 5297 | 40 |
| $2,250,000 | 0 | 1.25% | 5959 | 40 |
| $2,500,000 | 0 | 1.25% | 6621 | 40 |
(Subject to change without notice, other restrictions may apply, chart for purposes of example only, example based on O/O, 1-month MTA arm,3 yr fixed minimum payment, stated income, cash-out, 40 year term, NOO add 1% to start rate, based on APRs from 6.482-7.937, call for more details)
Serving the California real estate community, specializing in home financing for owner & non-owner, single family, du-plex, tri-plex and four-plex properties
"Investing in real estate is a very lucrative endeavor, with lower interest rates and an almost guaranteed rise in value, real estate is single handedly creating more millionaires then ever thought possible. Due to the rising residential home values, real estate in our country is estimated to be about 24 trillion"
Premier Investors specializes in arranging both investor and personal mortgage financing. We understand the needs of investors. Our aim is to become an integral part of your personal investment plan and decisions for life.
Our philosophy is to help borrowers achieve the best long term results through properly structured and competitively priced loans. This in turn will assist you in achieving long term financial security through the creation of sustainable wealth.
We specialize in No-doc and No-income verification home loans from $250,000 to $10 million super jumbo loans. Refinances with unlimited cash-out are available for any purpose up to 10 million. 100% financing for purchases of non-owner, second home and owner occupied properties are also available.
Choosing Premier Investors, with the ability to find the best program, rate and terms, from hundreds of lenders, gives you a distinct advantage over your local banker. Allow our experience and insight, provide you with the best loan programs available.
"If we can't find it for you, then it probably doesn't exist."
Give me a call today to check on current rates and loan programs to fit your specific needs!
Call Donald McCraig, Owner/Broker
Toll-free at (888) 319-5324
The first year of payments with a pay option arm mortgage is set by the initial 1.00% rate (or whatever your initial rate is depending on your loan scenario). Payments do not change for a year (12 months) at a time and for up to 5 years payments go up by 7.5 %, after each 12 month period. This makes the monthly PAYMENTS totally predicable. You will know in advance of exactly what the payments will be for the first 5 years.
Given that the payments are set by the start rate (not to be confused with the fully indexed rate-which is the rate actually paid) your monthly payments can be almost half of what they are if you have a fixed rate, fully amortized mortgage.
The problem is that if you do not have enough equity in your home, because of the effect of the negative amortization, you can end up owing more than your home is worth. This is especially true if your home was purchased in just the last few years AND the real estate market you live in is on the decline "
Donald McCraig
Owner/Broker
Real Estate or Mortgage Request FormFill out this quick form and I will call you back by the next business day to answer any of your real estate and mortgage questions. Donald McCraig |
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