America's Choice Finance Inc.

Loan Products

	Special Program Mortgages Features Good for purchase or refinance, with flexible terms. Bad or low credit scores OK!  Get cash out OK! Use your loan to buy a primary residence, invest in a second home or buy an income property. What Are Special Program Mortgages? Loan programs that offer special incentives for borrower's Rebuild Credit Low income housing  Our experienced Loan Offices will explain all the details of each loan program. There are several to choose from and together we can find the right loan program that meets your individual needs.

	100% Financing / Zero Down Features 100% financing. For applicants with good credit. If refinancing, homeowners can refinance up to 100% LTV and lower monthly payments to enjoy increased cash flow. Little or no cash up-front. All of your Closing Cost can come from other sources. Flexibility. Fixed or adjustable rates available, for varying terms

	Fixed-Rate Mortgages Features Good for purchase or refinance, with of 15, 20 and 30 years. The interest rate and monthly payment stay the same for the life of the loan. No penalty for prepaying your loan. Use your loan to buy a primary residence, invest in a second home or buy an income property. Why choose a fixed-rate mortgage You want a stable monthly payment. You believe interest rates could rise in the next few years.

	Adjustable-Rate Mortgages Features Good for purchase or refinance, with of 15 and 30 years. Initial fixed interest rate for 1 year, 3 years, 5 years and 7 years. Protection against unlimited interest rate increases. Many of our ARMs are assumable. Use your loan to buy a primary residence, invest in a second home or buy an income property.   Why choose an ARM You want lower initial monthly payments than a fixed-rate mortgage usually offers. Lower initial monthly payments means you can buy more home. You plan to own your own home for the initial fixed rate period.

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