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  • Cash Loans
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  • Refinance
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  • Closing
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  • Imperfect Credit Loans
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  • FAQ's
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  • Debt to Income Ratio
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  • PMI
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    Which loan is right for me?
    maryland_mortgage_company_maryland_refinance maryland_mortgage_companies_refinance
    1-3 Years
    		3/1 ARM, 1 year ARM or 6 month ARM
    3-5 Years
    		 5/1 ARM
    5-7 Years
    		 7/1 ARM
    7-10 Years
    		 10/1 ARM, 30 year fixed or 15 year fixed
    10+ Years
    		 30 year fixed or 15 year fixed
    Loan Programs Advantages Disadvantages
    Fixed Rate Mortgages
    30 year fixed loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Interest rate does not change
    15 year fixed Monthly payments are fixed over the life of the loan maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Protected if rates go up
    maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Can refinance if rates go down
    maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Higher interest rate
    maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Higher mortgage payments
    maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Rate does not drop if interest rates improve
    Adjustable Rate Mortgages
    10/1 ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Lower payment over a shorter period of time
    7/1 ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Rates and payments may go down if rates improve
    3/1 ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender May qualify for higher loan amounts
    1 year ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender More risk
    6 month ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Payments may change over time
    1 month ARM
    Lower initial monthly
    payment     		loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Potential for high payments if rates go up
    No point, No fee Programs
    maryland_mortgage_company_mortgage_companies_maryland_refinance No closing costs
    maryland_mortgage_company_mortgage_companies_maryland_refinance Less money required to close
    maryland_mortgage_company_mortgage_companies_maryland_refinance Higher rates
    maryland_mortgage_company_mortgage_companies_maryland_refinance Higher payments
    Imperfect Credit Programs
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Potential for reestablishing credit if you pay your mortgage on time.
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender When used for debt consolidation, you may be able to reduce your monthly debt payment
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Higher rates
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Terms may not be as favorable
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Harder to get long term fixed loans
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Loans may have prepayment penalties
    Home Equity Line of Credit
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender You only borrow what you need
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Pay interest only on what you borrow
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Flexible access to funds
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Interest may be tax deductible
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Rates can change. The maximum interest rate is normally high.
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Payments can change
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Harder to refinance your first mortgage
    Home Equity Fixed Loan
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Fixed payments
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Interest may be tax deductible
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Higher interest rates than on 1st mortgages
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Harder to refinance your first mortgage
    Reverse Mortgages
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender A reverse mortgage loan can help you supplement your retirement income.
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender You can apply the available proceeds toward the things you need most.
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Seniors make no reverse mortgage monthly payments for as long as they live in their home.
    loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender To be eligible for a reverse mortgage, seniors must be homeowners and age 62 or older.
    Besides our standard loan programs, we also have a large number of unique programs to serve your needs:
    maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies
    		 Purchase a house with 0 down
    maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies
    		 Piggyback loans 80-10-10 or 80-15-5. No PMI payments even with 5% or 10% down.
    maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies
    		 Debt consolidation programs
    maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies
    		 Home Improvement loans
     
    Qualify even if you may have been turned down before!
    		 
     
    Cash Loans | Refinance | Closing | Imperfect Credit Loans | FAQ's | Debt to Income Ratio | PMI
    		  
     
    		 
     
    11459 Cronhill Dr Suite M | Owings Mills, Maryland 21117
    		  
     
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