Call 1-800-928-6154 Refinance
Introducing the Best of Both Worlds 30 Year fix
from Cohen Financial group
Imagine a 30-year fixed rate loan that allows you to pay interest only for all or
part of the first ten years - once in a while, or with every payment. Whatever
works best for you. And there's no negative amortization. That's the new Best
of Both World 30 Year Fix. The confidence and security of a 30-year fixed rate
loan combined with the freedom and flexibility to make your financial life a lot
easier. Apply now.
from Cohen Financial group
Imagine a 30-year fixed rate loan that allows you to pay interest only for all or
part of the first ten years - once in a while, or with every payment. Whatever
works best for you. And there's no negative amortization. That's the new Best
of Both World 30 Year Fix. The confidence and security of a 30-year fixed rate
loan combined with the freedom and flexibility to make your financial life a lot
easier. Apply now.
Mortgage Products Offered
Fixed Rate
With a our Fixed Rate Home Mortgage, your monthly principal and interest payment are fixed for the life of
your loan. It makes managing your money simpler because this element of your monthly budget always
stays the same.
Fixed Rate Mortgage benefits:
Standard 60-day rate lock.
240-day rate lock available.
3% down for the same low rate on purchases.
No PMI with as little as 3% down. (Most lenders require 20%.)
Same low fixed rates and terms for condos.
Adjustable Rate
These loans offer lower rates and lower payments for a full 1, 3 or 5 years. Plus, you have the flexibility to
convert to a fixed rate loan – AT NO COST.
Adjustable Rate Mortgage benefits:
Lower monthly payments for 1, 3 or 5 years - A 5 year, $165,000 ARM will save you about $100 per month
compared to our 30-year fixed rate mortgage.
Lower locked rate for a full 1, 3 or 5 years – usually 1% below our 30-year fixed rate mortgage.
Options to convert to a fixed rate for FREE!
For 5-year ARMs, we qualify you based on the lower initial interest rate, so you'll qualify for more house.
Interest-Only Loans
These loans can lower your monthly payment by
hundreds of dollars. And because there is no prepayment
penalty, you can make principal payments during the
interest-only period.
Interest-Only Mortgage benefits:
Lower payments - A 5 year, $200,000 Interest-Only ARM will save you about $350 per month compared to our
30-year fixed rate mortgage.
Lower Rates - Usually about 1/4% lower than interest-only loans offered by other lenders.
Guaranteed Rate - Your rate is fixed for as long as 5 years. Other lender rates could start going up after the
first month.
No Prepayment Penalty.
Available on 1, 3 and 5 year ARMs.
No-Cost Loans
A mortgage with no costs - no points, no application fee, no appraisal fee , no processing fee, no credit report
fee and no lender costs. That’s a savings of about $2,000 right up front for most homebuyers. And, you only
need 3% down.
No-Cost Mortgage benefits: 30 Year Fixed Rate Monthly Averages
No points or credit report fee
No application or processing fee
No buyer's closing costs or appraisal fees
Save around $2,000 upfront
Only 3% down
Construction and Rehab Loans
Call for rates
Our Home Construction/Permanent Loan allows
you to arrange both the construction loan and
permanent mortgage financing for your new home in a single transaction.
Construction Loan benefits:
Rate is locked in at time of application – not when the home is completed. So you don’t have to worry about
rising rates.
Your rate stays locked for as long as 12 months while your home is being built - Other lenders don't offer this
kind of protection.
You can select either a fixed rate or adjustable rate mortgage.
Six draws.
No second closing, so you save money.
Lot loan programs available – ask Cohen Financial Group for details.
Bridge Loans
At Cohen Financial Group, you can still buy before you sell. Our Bridge Loan allows you to defer payments on
your current house - leaving only the payment on your new home. So you don't have to worry about more than
one mortgage payment while you're selling your old house.
Bridge Loan benefits:
No Application Fee
No payment for up to 12 months, giving you more time to sell your home - most other lenders give you six
months or less!
No prepayment penalty
Rate is locked in at time you apply
Simple application process
Up to 85% loan-to-value
Borrow up to $15,000,000 with ample equity and approved credit
Bridge Loan Rates
Term Points Rates APR
1 Year 0 pts 7.75%% 7.96%%
Home equity financing
As you repay your mortgage, you will gradually build up equity in your home. You can borrow against that
equity when you need cash, using either a loan or a line of credit.
Home equity loans give you the cash you need as a single up-front payment, which you can repay at a fixed
rate. If you know exactly how much you need to borrow, a home equity loan may be the best option.
Home equity credit lines give you a revolving source of cash that you can draw from as you need to, up to a
maximum amount. The line carries a variable rate with an interest-only option, and you pay interest only on
what you actually use — not the total amount of the credit line.
Fixed Rate
With a our Fixed Rate Home Mortgage, your monthly principal and interest payment are fixed for the life of
your loan. It makes managing your money simpler because this element of your monthly budget always
stays the same.
Fixed Rate Mortgage benefits:
Standard 60-day rate lock.
240-day rate lock available.
3% down for the same low rate on purchases.
No PMI with as little as 3% down. (Most lenders require 20%.)
Same low fixed rates and terms for condos.
Adjustable Rate
These loans offer lower rates and lower payments for a full 1, 3 or 5 years. Plus, you have the flexibility to
convert to a fixed rate loan – AT NO COST.
Adjustable Rate Mortgage benefits:
Lower monthly payments for 1, 3 or 5 years - A 5 year, $165,000 ARM will save you about $100 per month
compared to our 30-year fixed rate mortgage.
Lower locked rate for a full 1, 3 or 5 years – usually 1% below our 30-year fixed rate mortgage.
Options to convert to a fixed rate for FREE!
For 5-year ARMs, we qualify you based on the lower initial interest rate, so you'll qualify for more house.
Interest-Only Loans
These loans can lower your monthly payment by
hundreds of dollars. And because there is no prepayment
penalty, you can make principal payments during the
interest-only period.
Interest-Only Mortgage benefits:
Lower payments - A 5 year, $200,000 Interest-Only ARM will save you about $350 per month compared to our
30-year fixed rate mortgage.
Lower Rates - Usually about 1/4% lower than interest-only loans offered by other lenders.
Guaranteed Rate - Your rate is fixed for as long as 5 years. Other lender rates could start going up after the
first month.
No Prepayment Penalty.
Available on 1, 3 and 5 year ARMs.
No-Cost Loans
A mortgage with no costs - no points, no application fee, no appraisal fee , no processing fee, no credit report
fee and no lender costs. That’s a savings of about $2,000 right up front for most homebuyers. And, you only
need 3% down.
No-Cost Mortgage benefits: 30 Year Fixed Rate Monthly Averages
No points or credit report fee
No application or processing fee
No buyer's closing costs or appraisal fees
Save around $2,000 upfront
Only 3% down
Construction and Rehab Loans
Call for rates
Our Home Construction/Permanent Loan allows
you to arrange both the construction loan and
permanent mortgage financing for your new home in a single transaction.
Construction Loan benefits:
Rate is locked in at time of application – not when the home is completed. So you don’t have to worry about
rising rates.
Your rate stays locked for as long as 12 months while your home is being built - Other lenders don't offer this
kind of protection.
You can select either a fixed rate or adjustable rate mortgage.
Six draws.
No second closing, so you save money.
Lot loan programs available – ask Cohen Financial Group for details.
Bridge Loans
At Cohen Financial Group, you can still buy before you sell. Our Bridge Loan allows you to defer payments on
your current house - leaving only the payment on your new home. So you don't have to worry about more than
one mortgage payment while you're selling your old house.
Bridge Loan benefits:
No Application Fee
No payment for up to 12 months, giving you more time to sell your home - most other lenders give you six
months or less!
No prepayment penalty
Rate is locked in at time you apply
Simple application process
Up to 85% loan-to-value
Borrow up to $15,000,000 with ample equity and approved credit
Bridge Loan Rates
Term Points Rates APR
1 Year 0 pts 7.75%% 7.96%%
Home equity financing
As you repay your mortgage, you will gradually build up equity in your home. You can borrow against that
equity when you need cash, using either a loan or a line of credit.
Home equity loans give you the cash you need as a single up-front payment, which you can repay at a fixed
rate. If you know exactly how much you need to borrow, a home equity loan may be the best option.
Home equity credit lines give you a revolving source of cash that you can draw from as you need to, up to a
maximum amount. The line carries a variable rate with an interest-only option, and you pay interest only on
what you actually use — not the total amount of the credit line.
Home Equity Solutions
Loan - secure your rate
and payments
Line of Credit - funds
when you need them
Combination - best of
both worlds
Loan - secure your rate
and payments
Line of Credit - funds
when you need them
Combination - best of
both worlds
| Fixed Rates Term Type Rates APR 30 Year Fix 5.59% 5.81% 15 Year Fix 5.05% 5.41% 5 Year Arm 4.88% 5.16% *National Mortgage Average, 417k Loan, 80%LTV, Terms and Conditions Apply |
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Interest Only Home Mortgage
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Home Improvement Loans -
All Credit
Government FHA & VA
Loans
First Time & New Home
Purchases
ZERO DOWN & NO-DOC
Refinancing
Rates starting AS LOW AS
1.9%
Loans UP TO 125% Of
Home's Equity
Loans Available
NATIONWIDE
Loans For ALL TYPES Of
Homes
FREE Mortgage Kit And
Calculators
Results in LESS THAN 24
HOURS
4 OUT OF 5 Applicants
Approved!
Credit
Refinance Having Good
Credit
Home Refinance And
Cash-Out
REFINANCE AFTER
FORECLOSURE
Home Equity Loans & Lines
Of Credit
Homeowner Debt
Consolidation Loans
REFINANCE WITH A
BANKRUPTCY
Interest Only Home Mortgage
Loans
Home Improvement Loans -
All Credit
Government FHA & VA
Loans
First Time & New Home
Purchases
ZERO DOWN & NO-DOC
Refinancing
Rates starting AS LOW AS
1.9%
Loans UP TO 125% Of
Home's Equity
Loans Available
NATIONWIDE
Loans For ALL TYPES Of
Homes
FREE Mortgage Kit And
Calculators
Results in LESS THAN 24
HOURS
4 OUT OF 5 Applicants
Approved!
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