Improve Your Credit - Academy Credit : Loans : Mortgages

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	You have options!		What's best for me?
	The 30-year fixed mortgage is not the only or best choice for everyone.		We strive to offer a wide range of mortgage solutions for our clients.


	What type of mortgage is best for me? There are many different mortgages to choose from. Here are a few things to consider before choosing which mortgage is right for you. Where do you fit and why? Are you a saver or a spender? Do you need a retirement fund? How long do you intend on living in this house? Do you plan on refinancing in a few years, if so why would you refinance? Is this just an investment property? Is this a second home? Do I need to lower my total monthly payments? These questions will help you decide what type of mortgage is best for you. Fixed Mortgages You plan on paying for your home for the next 30 You don't plan on moving or refinancing in the next 20 to 30 years If you aren't going to refinance in the next 10 to 20 years You need piece of mind Have little or no willpower to save Adjustable Rate Mortgages Will only be in this house for a few years (1 through 15 years) Need a little extra money a month Want to pay off your home earlier with out paying to much extra Want to have a few extra dollars a month to save or invest Will be refinancing in the next 5 to 15 years (Save money every month before you do!) Negative Amortization Mortgages During first years of loan you can pay off bills to lower overall monthly payments Gives freedom to invest or save while spending same as a 30 year fixed mortgage Different payment options give you the power to choose what to pay each month Interest Only Mortgages Freedom to invest saved money under a 30 year fixed mortgage With a solid investment plan home can be paid for sooner than 30 years With an aggressive investment plan home paid and retirement added too! Principle payments can deduct monthly minimum interest payments Great for buying and selling because monthly payment is lower