Select A Loan Program

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Loan Program Selection is Dependent on How long You Plan to Stay in the House

Years of Home Ownership

Loan Program

1-3 yrs

6 mo, 1 yr or 3/1 ARM

3-5 yrs

5/1 ARM

5-7 yrs

7/1 ARM

7-10 yrs

10/1 ARM, 30 yr fixed, 15 yr fixed

over 10 yrs

30 yr fixed, 15 yr fixed

Recommendations may change depending on the market environment.  Call us to discuss.

Loan Program Comparisons

Loan program Fixed Rate Adjustable Rate
Advantages
  • Monthly Payments fixed over terms of the loan
  • Interest Rate is fixed
  • Refinance is rate go down
  • Low initial payment
  • Payments may go down if rates drop
  • Higher loan qualification
Drawbacks
  • Higher Interetst Rates
  • Higher monthly payments    
  • Risky
  • Payments change over time
  • Potential for higher payments

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California Department of Real Estate.  California Real Estate Broker.  License Number: 01430318.  Main Office: 630 VeranoTerrace, Fremont, CA 94539

Equal Housing Opportunity

 


Own Sweet Home Realty 43575 Mission Blvd Suite 702 Fremont, CA 94539
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