The Smart-Options Loan gives you options to pay either a minimum payment or both principal and interest as well as having the opportunity to invest part or all of the difference of your new monthly payment in something more worthwhile than the banks pockets.

Today's Rates are:

 Listed below are the four payment options available to you every single month:

As you know on a 30 year fixed mortgage (or any other fixed mortgage plan), the majority of your payment is applied to interest during the first fifteen years anyhow - yet, due to the fact that most of us will never live in our homes for 30 years, or we change the terms of our loan by refinancing during that time, the 30 fix will only accomplish very minimal results ! Take a look at your year-end statement from your lender and see for yourself how little of the principal balance you paid. Actually Californians on average refinance every 3.5 years which means all we ever do is pay interest to the lender.

The 1% Smart-Options Loan stabilizes your interest only payments, creating a much lower interest immediately, while providing you with a minimum payment which increases by only 7.5% per year. For example if you were paying $1000 a month in year 1, the second year payment would be $1075 and the third year would be $1156 and so on.

For comparison, if your current balance on your loan is approximately $300,000.00 , if you were to refinance your loan at 1% your minimum monthly payments would be as follows:

Compare these monthly payments with your existing loan to see the exact savings for yourself or click the mortgage calculator link below to compare your loan with the 1% Smart-Options Loan and see your savings immediately !

Assuming you have not had more than one thirty day late payment on your mortgage in the last 24 months and your credit is a minimal 620 or higher, we can offer a rate as low as 1% . If your credit criteria does not match our program guidelines there is no need to worry because we have programs from 1.95%-4.95% for persons with credit scores below 620 and fixed programs as low as 5.99% for people without credit! We also offer the lowest 30, 20, 15 and 10 year fixed and other adjustable rate programs on the market today.

We can approve your loan by phone immediately at no cost to you!!

877-932-0011

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Please contact First Stop Funding for more details. An experienced loan officer is standing by to answer all of your questions and help get you started today!