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Cash Flow Mortgage

Cash Flow Mortgage products are available from several lenders. I have converted my home and investment property to the Cash Flow Mortgage. I am a mortgage broker specialized in the Cash Flow Mortgage with 37 lenders offering the Cash Flow Mortgage to ensure you get the best mortgage for your specific situation 

An issue for many homeowners is managing income and expenses, or "cash flow". Income varies and unplanned expenses come up. Our mortgage payment  is our largest monthly expense, and the least flexible. The Cash Flow Mortgage was designed to give you control over your mortgage payment. Choose one of four payment options each month based on your cash flow needs.

        Cash Flow Mortgage Minimum Payment    A payment is set for 12 or 60 months at a reduced rate. The minimum payment rate for the 12 month option is 1.00% and the 60 month option is 1.90%. This maximizes cash flow and may defer payment of interest allowing flexibility in managing your tax deductions. This minimum payment can not increase by more than 7.5% each year. Read about the important tax considerations of a cash flow mortgage. If you have concerns over deferred interest, read about the small amount of appreciation required to offset it.

       Interest Only Payment    Defer paying principal and improve cash flow. This option is not available if the interest only payment would be less than the minimum payment.

        Fully Amortizing Payment Options    You can make a principal and interest payment based on either a 30 year or 15 year payment schedule. I have included a Cash Flow Mortgage statement as well.

The product allows you to choose your index from the 1 month LIBOR (London Interbank Offered Rate) or the MTA (12 Month Treasury Average).

Here is a 10 year average comparison between a 30 year fixed and fully indexed LIBOR, MTA, COFI, and the 1 year Treasury Index in chart form.

Additional Options    If you want the additional security of a fixed payment while still taking advantage of the low payment rates, there is a 5 year fixed payment option. You have a fixed minimum payment for five years. You still have four payment options to select from to manage your cash flow. You alco have the ability to increase the term of your loan from 30 to 40 years lowering your payment even further. LTVs on the Cash Flow Mortgage are now available up to 100%!

The Minimum Payment Advantage    The example below is based on a $400,000 mortgage. It compares a traditional 30 year fixed rate payment based on the above 10 year average to the minimum payment available on the Cash Flow Mortgage again based on the 10 year average. Assumes that the Minimum Payment increases by the maximum 7.5% per year.

                    30 Fixed                    Minimum Payment                 Monthly Savings                    Annual Savings

Year 1        $2,855                                $1,287                                        $1,586                                    $18,816
Year 2        $2,855                                $1,384                                        $1,471                                    $17,652
Year 3        $2,855                                $1,488                                        $1,367                                    $16,404

                                            Savings over 3 years        $52,872
                                            Savings invested at 8%    $56,885

I have developed an Adobe document detailing on how this program works. Send me an email requesting a copy of "Understanding the Cash Flow Mortgage". I will send it by return email

I have added a website dedicated solely to the Cash Flow Mortgage.

Here is a useful Cash Flow Mortgage payment calculator

Read very important information about Cash Flow Mortgage Prepayment Penalties

Read more about Cash Flow Mortgage Closing Costs

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.


    Cash Flow MortgagePrequalify for your Cash Flow Mortgage


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