Cash Flow Mortgage Loan

Cash Flow Mortgage Loan products are available from several lenders. I have converted my home and investment property to the Cash Flow Mortgage Loan. I am a mortgage broker specialized in the Cash Flow Mortgage Loan with 37 lenders offering the Cash Flow Mortgage Loan 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 expense, and the least flexible. The Cash Flow Mortgage Loan 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 Loan 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 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 loan. 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 Loan statement as well.

The Cash Flow Mortgage Loan series 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 Loan 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 Loan 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 Loan". I will send it by return email

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

Here is a useful Cash Flow Mortgage Loan payment calculator

Read very important information about Cash Flow Mortgage Loan Prepayment Penalties

Read more about Cash Flow Mortgage Loan Closing Costs

Prequalify for your Cash Flow Mortgage Loan

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