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Flex Pay

Flex-Pay is all about choices... an ARM that doesn't leave your hands tied!

With a Flex-Pay loan, homebuyers choose their monthly payment and either qualify for more home, or have more cash in reserve for investment, paying down higher-cost debt, or making home improvements.

Note: This is not a negative amortization product. Your principal balance will never increase!

Flex-Pay loans offer you:

	Potential for lower monthly payments: for the first 10 years of the loan you can opt to pay interest only-plus any portion of the principal you wish.
	The opportunity to afford your dream home-buy up to 25% more home with Interest-Only monthly payments.
	Tax deductibility benefits
	A wealth of money-management opportunities, with savings for:
	Other investments, including high-yield and tax-deferred savings or maximizing your retirement contributions Pay off high-interest, non-tax-deductible debts Home improvements, tuition costs, or a dream vacation.

Here's how it works:
Take advantage of this innovative approach to home financing and realize the double benefits of more affordable payments plus improved cash flow. Here's how it works: each month you choose the payment amount. You can make the minimum interest-only payment in order to maximize your available cash for other uses or allow you to qualify for more home at a payment you can afford. Or you are free to pay down any portion of the principal you wish--it's your decision. Either way, your principal balance will NEVER increase.