If you are looking for the most flexible and creative loan on the market today the Pay Option Arm is the way to go. This loan program is the perfect choice for many looking to take charge of their monthly mortgage payment. Giving you the lowest mortgage payment available, with a 1% starting interest rate, the Pay Option Arm allows you many choices to maintain control of your life and finances. With low monthly payments and increased cash flow all who choose the Pay Option Arm will benefit.

Circumstances have a way of changing monthly and this loan is the perfect choice for those looking to steer how they spend their money. By choosing this loan option you will not only save every month on your mortgage payment but it allows you to redirect your money wherever you want it to go. Take the monthly savings you will receive and put it towards paying off other high interest debts, save for additional investments or anything else you need it for. This loan will get you the house you want and allow you the freedom to make your own choices.

The Pay Option Arm allows four options to choose from every month in order to make your mortgage payment work for you.

Option One: Minimum Payment: The minimum payment option gives you the smallest payment possible and allows you to keep the most cash flow in your pockets now. It gives you the ability to keep your payments manageable, gives you excess monthly cash flow and allows you to live in the home of your dreams.

Option Two: Interest-Only Payment: This payment option allows payments to stay manageable while paying off the interest of the loan. You can avoid deferred interest with this payment plan at those times when the minimum payment is not enough to pay the monthly interest due.

Option Three: Fully Amortized Payment:

This payment option reduces your principal and allows you to pay off your loan as scheduled. It is calculated each month based on the prior month's interest rate, loan balance and remaining loan term allowing you to reduce your principal while staying on schedule.

Option Four: 15 year Payment: This payment option will allow you to own your home twice as fast. This gives you the ability to save on interest while building equity and paying off your loan at a much faster rate.

Choose any of these four monthly payment options with the Payment Option Mortgage and get flexibility, cash flow and savings. Achieve your financial goals in the way that is most comfortable and affordable for you. The interest rates for these payments are based on the COFI or "Cost of Savings Index" This is represented by the average interest rates of certain banks paid out to the common customers in checking, savings and CD accounts. This interest rate is usually low and not as effected by the fluctuating market as the Prime rate would be. COSI is the safest index in the world for mortgage lending allowing only minimal changes in your payments.

There are many reasons to choose the Payment Option Mortgage Loan. This loan is a wise choice for investors looking to capitalize on soaring home appreciation, for the buyer looking to get into a home without sacrificing what they want and for the person looking to creatively control their finances and monthly payments. Don't miss out on living your dreams and creating a life that works for you, with the Payment Option Mortgage Loan the choice is yours.