Finance Articles

California Lender Offers a 0.25% Option Arm Mortgage With a Five-Year Fixed Payment

Orange, CA (PRWeb) February 28, 2007 -- The California-based online mortgage company Securarate.com offers their Top Pick Option Arm with a low minimum fixed payment option that is at 0.25%. This program, unlike other Pay Option / Pick a Payment loans, offers a fixed rate and a fixed minimum payment. Most of the similar products on the market have an adjustable rate with an initial start rate that changes after just one to three months. The Top Pick loan is not only fixed for five years, but it still provides the most attractive features of the conventional Pay Option Arm programs.

In particular, this new product, which Securarate.com provides to California residents, gives borrowers the options of paying on the low minimum rate for up to five years, paying interest only, paying at a 15-year rate, or making regular principal and interest payments at a 30-year level. This loan is specifically suited to the cash flow strapped borrower and the astute real estate investor that recognizes the cash flow benefits of a deferred interest mortgage. It is important to note that the minimum payment is just one of the various options that the Top Pick Option Arm offers. Any borrower, if they so choose, can eliminate any form of deferred interest by just making the interest only or greater payment.

The Top Pick Option Arm is available for purchase, change in rate and cash-out refinances, as well as primary and second homes, investor properties and condos. This loan will also allow a borrower to defer up to 135% of their initial loan balance.

For additional details and information on the Top Pick Option Arm, or any other Option Arm, Fixed or Adjustable Rate product, don't hesitate to visit http://www.securarate.com.

Please note that, like any other loan product mentioned on their Web site, this loan has certain underwriting limitations and guidelines that need to be met; not all borrowers or properties will qualify. Due to the nature of this loan, the rate is subject to change at any given time and without notice. This product is intended to be a promotional product and its availability and duration are unknown at the time of print. The Top Pick Option Arm is based on a 0.25% start rate that has an APR of 4.785%. Securarate.com is licensed by the California Department of Real Estate (license number 01316309).

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