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Negative Amortization Mortgage

Payment Option ARM - Interest Only - Fixed Rate

Shop and compare negative amortization mortgage loans for home purchase, refinance, cash out and debt consolidation with several payment options including interest only fixed rate and low intro payment adjustable rates. Choose your index: MTA, COFI, COSI, and more.

Payment option ARM's used to advertise rates. Negative Amortization loans were created to give borrowers the freedom to pay less monthly if you need to. Negative amortization loans are considered the "Loan Kings for Cash-Flow." Freeing up your cash flow could open the door for investing or solve other financing problems because the monthly payments are reduced. Today not many lenders are willing to take the risk of payment option loans because the default rate is so high.

These pick-a payment loans are not for everyone, but for the savvy borrower who invests the savings each month, this mortgage is considered a dream home loan. This website does not recommend this neg-am loan because of inherent risk and the high default rate associated with these types of mortgages.

Negative Amortization Loans On Hold

Negative Amortization Loans Increase Cash Flow!

This is a great way to save money and qualify for the house of your dreams. Take advantage of deferred interest and the flexibility that comes with 3 different payment options.

Borrowers can choose the payment that suits them
Option 1. Interest Only Payment
Option 2. Negative Interest
Option 3. Fixed Rate Payment Option

  • Stated Income Mortgage
  • 100% CLTV on Owner Occupied Properties
  • 90% on Non-owner Occupied Properties
  • Qualify at fully amortizing payment
  • 1-4 Units Condos and PUD's
  • Not Available in All States
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Home Mortgage Rates

Get more info on interest only. Get rates for interest only, negative amortization, credit lines, and fixed rate mortgages with no application fees.

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Are you looking for the Lowest Rates? Looking for 100% Financing with an 80/20 loan? Get rates for Piggy Back Loans, and fixed rate opportunities.

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Home Financing and Purchase Loans

100% Refinance Loans - no pmi

Talk to lenders that may be able to help you streamline your finances with our creative home loan options that are designed to work with your life.



Payment Option ARM for Purchase or Refinance Low payments and flexible options for your mortgage are important for home purchases and maximizing cash out refinancing. Check out these flexible loans that allow you to pick a small payment or principal and interest loan payment.


Revive your Credit with a Mortgage Refinance One of the best ways to increase your credit scores is to roll your consumer debts into your mortgage. You will most likely reduce your monthly payments as well.

• Minimum 500 Credit Score
• Loan Sizes up to $1,500,000
• All documentation Types available

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This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. See Privacy for Details. does not make loans or issue approvals for negative amortization loans. Nothing on this web site contains an offer promise either to make a mortgage loan or that any participating lender will guarantee any home loan for any purpose or on any specific terms. Loans cannot be made online or be approved without an underwriter analyzing your credit score, debt to income ratio and combined loan to value.

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