Move Up Financing

With one of the most diverse and extensive product lines in the industry, we have mortgage products to fit a variety of home financing needs. We’ve listed some of the most popular here. For more information, you can schedule a complimentary, no-obligation consultation with one of our Home Mortgage Consultant.
 
Interest Only Feature

  • Lower monthly payments consisting only of interest for an initial period1
  • For homebuyers with the following consideration points:
  • Homeowners looking to increase their short-term cash flow
  • Homeowners who intend to move or refinance within a few years


Jumbo Loans

  • Mortgage amounts in excess of the conforming loan limit set by Fannie Mae and Freddie Mac
  • Also known as non-conforming loans
  •  Typically carry higher interest rates

For homebuyers with the following consideration points:

  •  Homebuyers who need financing to purchase a more expensive property
  •  Investment-minded buyers who can make a large purchase, but want to leverage their assets more effectively


Borrower-Paid Mortgage Insurance

  •  Bypasses mortgage insurance costs when loan-to-value ratio is more than 80%
  • Money that would have gone to mortgage insurance goes instead to tax-deductible interest payments2
  • For homebuyers with the following consideration points:
  • Homebuyers without enough cash for a large 20% down payment
  • Homeowners who plan to move or refinance within 10 years


Refinancing

  • It may be possible to refinance to a lower rate that is more beneficial in the long term.
  • Broad range of programs available
  • For homebuyers with the following consideration points:
  • Homeowners looking to reduce their monthly payments, shorten their loan term, or consolidate debt, or eliminate mortgage insurance costs


Investment Property Financing/Vacation Homes/Second Homes

  • Single-family, multi-unit, condos, condotels, co-ops and planned unit developmentsHome repairs or remodels may be included in loan amount
  • For homebuyers with the following consideration points:
  • Those who want to purchase "fixer upper" properties, rental properties, or a vacation home
  • Homeowners looking to use the equity in their current home to purchase an investment property or vacation or second home

 
1 The Interest-Only payment feature will allow you to make minimum interest payments for a set period of time, then full principal-and-interest payments for the rest of your loan/line term. At the end of the interest-only period, you will be required to pay down the outstanding principal, which will increase your monthly payment, possibly substantially, even if you have a fixed interest rate. Always consider making more than the minimum payment during the interest-only period to begin reducing principal. Depending on the product specifics, a loan/line with the Interest-Only payment feature may result in higher interest rates or Annual Percentage Rates than a traditional mortgage product.
2 Consult your tax advisor regarding the deductibility of interest.


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Mortgage Solutions TEAM
at Christian Roberts Mortgage
512 E. Winchester
Murray, Ut 84107
Ph 801.716.5246
Alt 801.716.5251
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