Purchase

Build Financial Security

Myth:	The best new home loan has the lowest interest rates and the lowest monthly payments.
Reality:	The best new home loan gets you into your new home and builds your financial future. Interest rates and monthly payments are only one part of the picture.

That's because there's a lot of life coming down the road for you: building a family, kids going to college, parents entering old age, your own retirement. Believe it or not, your new home loan can help make all these things happen.

Here's What You Need To Do
Build Equity in Your Home Equity is your money. It's what you keep when you sell your house and what you can borrow against in the future. It's your investment in your future. And the only sure way to build equity is by paying down the principal, not the interest, on your loan.

Here's What You Need To Do

Build Equity in Your Home

Equity is your money. It's what you keep when you sell your house and what you can borrow against in the future. It's your investment in your future. And the only sure way to build equity is by paying down the principal, not the interest, on your loan.

Here's The Type of Loan You Should Consider
15-Year, Fixed Interest Mortgage If you plan to stay in your house for longer than six or seven years, a 15-year, fixed interest mortgage builds equity in the fastest and most secure way possible. Monthly payments are higher, but a larger percentage of your payment goes to the principal than on a 30-year mortgage.	5/1 Adjustable Rate Mortgage If you want to build equity fast and sell your home in six or seven years, a 5/1 ARM is the best way to go. You get a low interest rate and low payments for five or six years and you build equity just as fast as a more expensive 15-year fixed loan.

Here's The Type of Loan You Should Consider

15-Year, Fixed Interest Mortgage

If you plan to stay in your house for longer than six or seven years, a 15-year, fixed interest mortgage builds equity in the fastest and most secure way possible. Monthly payments are higher, but a larger percentage of your payment goes to the principal than on a 30-year mortgage.

5/1 Adjustable Rate Mortgage

If you want to build equity fast and sell your home in six or seven years, a 5/1 ARM is the best way to go. You get a low interest rate and low payments for five or six years and you build equity just as fast as a more expensive 15-year fixed loan.