Payment Option Program - www.visionmortgageco.com

One of the key elements you will find when dealing with the experienced loan staff at Vision Mortgage Company LTD. the diversity of loan product. Staying on top of the most competitive products is a full time job--- and we truly enjoy what we do!

The most popular program in the market place allows for the greatest payment versatility ever. This uniquely designed program is called the Payment Option Program.

The basis of the Payment Option Program is a monthly payment election that is determined by the borrower’s needs. If cash flow is the goal, the Program allows for the lowest monthly payment therein maximizing cash flow. If a balance of cash flow with an equity concern, the interest only option meets the needs. Should a traditional thirty-year payment be the choice, the Program offers that too. Finally, if a borrower feels that rapid equity build up is the way to go, the Program allows for a fifteen-year pay out. The truly unique part of this entire Program is that each of these four choices can be made on a monthly basis. The borrower receives a new payment coupon from the Lender every given month. As such, the borrower decides on the Program feature that best meets their financial goals.

The first option involves a low start rate. The particular Investor offering the Program determines the start rate. Some of the determining factors include:

Whether the borrower plans to owner occupy the residence or if it will be an investment property or perhaps a second home.
What the desired level of down payment will be.
The elected underlying Program index.

The lowest start rate program originate with an interest rate of 1%. At these low rates you could experience the following the monthly payments:

Loan Amount	Low Start Payment	Loan Amount	Low Start Payment
50,000	160.82	700,000	2251.48
100,000	321.64	800,000	2573.12
200,000	643.28	1,000,000	3216.40
300,000	964.92	2,000,000	6432.79
400,000	1286.56	3,000,000	9649.19
500,000	1608.20	4,000,000	12865.58

Your Vision Mortgage Company, LTD. loan officer will assist you by calculating the appropriate APR (Annual Percentage Rate) for your particular contract or refinance scenario. The will also pertinent information such as:

The Index: COSI, COFI, LIBOR, MTA	The Margin:
The Loan To Value: the down payment	Deferred Interest
Interest Only	Rapid Equity Recovery

For a comparison of the latest COSI index, click here.

Your Vision Mortgage Company LTD. loan officer will be delighted to email, fax, or meet with you personally to discuss a good faith estimate that includes the total investment necessary to obtain this form of innovative financing. Above all, this program requires professional explanation and an in-depth discussion of the aforementioned concepts--- so take the time to meet with us soon.