YOUR SEARCH HAS ENDED. YOUR ONE STOP SHOP FOR
RESIDENTIAL, LINE OF CREDIT, AND  COMMERCIAL LOANS

Whether you're searching for your first home or
looking to refinance, Cohen Financial Group
can help you save both time and money.

Apply Online and Save
Applying online offers a convenient way of
choosing a mortgage, a chance to receive
special discounts and many other benefits.

Compare Your Options—
We Have the Tools to Help:

Mortgage Comparison Chart
Mortgage Calculators
Today's Mortgage Rates

                                                                                               REFINANCE CENTER

100% Financing                                      Mortgage Lates OK                                                Lower your Monthly Payment
Stated Income, Self Employed             Foreclosure, Bankruptcy                                       Greater Flexibility with Interest Only Payments
30, 40, 50 year Programs                      Manufactured Home                                              Low Up Front Cost .
2nd Home and Non Owner                   Cash Out and Debt Consolidation                     Imperfect Credit
Option Arms                                             125% Financing                                                      Unsecured Line of Credit            

Refinance       


Rates at a Glance

Fixed Interest Rate Loan

Over the life of the loan, a fixed interest rate mortgage retains the same interest rate and principal payments. Essentially, the principal and interest
portion of your monthly mortgage payment will stay the same. Since fixed interest rate loans offer you more stability, a fixed rate loan may have a
higher interest rate than an  adjustable rate loan. If you are looking to take out a loan which will be less than $417,000, a Conforming Loan will most
likely be right for you. If you are looking to  take out a loan which will be more than $417,000, a Jumbo Loan will most likely be right for you.

Conditions that may accompany the use of this loan:

You have consistent and dependable income
You are comfortable paying a slightly higher interest rate in exchange for stability of a fixed monthly payment
You have plans to stay in a new home longer than 7 years


Home Purchase       










































Adjustable Rate Mortgage

Cohen Financial Group, LLC,  Adjustable Rate Mortgage offers a low rate that is fixed for the first three, five or seven years.
You enjoy both the low ARM rates
and  the security of knowing your monthly payments for the first few years.

Benefits
Get the low rates you thought you had missed
Plan for your future with fixed payments for the first three, five or seven years depending on the product
Enjoy greater purchasing power with lower monthly payments
Details
Our ARM products offer fixed rate periods of three, five or seven years before converting to an adjustable rate mortgage for the remainder of the term
After the initial fixed rate period, the rate adjusts once a year based on the current rate index
Loan to value (LTV) ratios up to 95%

Interest-Only Adjustable Rate Mortgage

Cohen Financial Group, LLC  Interest-Only Conforming adjustable rates mortgage products have attractive low interest rates which give you the financial    
freedom of having extra disposable income, purchase buying power, or lower monthly payments.

Our Interest-Only Conforming adjustable rate mortgage products offer interest-only mortgage payments for fixed rate periods of 3, 5, 7 or 10 years (depending   
on the product selection). After the fixed rate period you pay principal and interest for the remainder of the term. At the end of the Interest-Only term you can    
refinance, pay the balance in full, or commence paying off the principal and interest.
Interest-Only Conforming adjustable mortgage products are available on Purchase and Refinance loan transactions.
We will work with your real estate agent during your new home purchase. New conforming loan limits are US $417,000 in the Continental US and $625,500    
Alaska and Hawaii.
There are no Pre-Payment Penalties(on many loan programs)
Loan to value (LTV) ratios up to 100%
Qualification Ratios are based on Interest-Only payment plus taxes and insurance.


*Rates may vary by state. Rate subject to change without notice. Rate is fixed for the first 3, 5, 7 or 10 years after that rate may vary. Available for primary residence
and second homes only. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loan secured by
a lien against your property. Some restrictions apply. Fees, terms & conditions apply. Call the number above for details.




Introducing Fix Rate Hybrid ARMs

For the rest of us, an innovative class of new loans has been recently introduced for homeowners who want the security of a Fixed Rate mortgage, with the   
flexibility and exceptionally low payments of an Option Arm. These home loans go by many names, including Hybrid Option & Fixed Option Arms, but they have   
one thing in common: A fixed payment for several years. Some of these mortgages have fixed interest rates, some of them have fixed minimum payments which   
don’t go up, and some of them have both!

So what are the key benefits of Hybrid ARMs?
- Fixed Minimum Payments for 1, 3, 5 or 7 years
- Fixed Interest Rates for the Full Term on Many Programs
- Minimum Payment is typically 55% lower than a Regular Loan
- Increased Cash Flow, Decreased Risk Makes Housing Affordable & Secure
- Interest Only Payment Option Continues Even After Recast
- Greatly Reduces the Sticker Shock of a Fixed Mortgage
- Greatly Reduces the Payment Shock of an Adjustable Mortgage
- Greatly Reduces Negative Amortization
- Retains Flexibility of an Option ARM

Like an Option ARM, Your Payment Coupon Has 4 Options on it
1. Minimum Payment
2. Interest Only Payment
3. 15 Year Fixed Amortized Payment
4. 30 or 40 Year Amortized Payment

A Real World Example

Your Minimum Payment is generally 55% of what a regular fixed rate mortgage would cost. Let’s take a look at a hypothetical scenario. Jane has a house in   
California which has been appraised for $400,000 and has a traditional fixed rate mortgage on the property of $200,000 on which she pays $1467.00 per month   
before taxes & insurance. If Jane were to refinance this mortgage into a Fixed Option ARM, her minimum monthly payment would be about $800 dollars, about  
55% of the cost she was paying previously. And both rate and minimum payment would still be fixed for 3, 5 or even 7 years. In fact Jane could take out $100,000  
in cash out when she refinanced and she would still have a minimum payment of $1200 per month, and both rate and payment would remain fixed for 3, 5, or 7  
years.

Overview


Flexible Options for New Home Construction

Whether you are looking to build a custom home, purchase a home that needs major renovation, or renovate your existing home, ditech.com can help with your  
home financing needs. Read on to find out which loan is right for you.

The Only One, a convenient, one-close option

You qualify once and do not need to re-qualify when your loan converts to the permanent phase. The Only One may be right for you if you're building a custom   
home or renovating a home and want a streamlined, easy process. Features include:

Streamlined qualifying process
Simple, single closing with closing costs paid once
Construction period up to 12 months (shorter build or rate lock periods also available)
Permanent rate decided at closing, with float-down option possible 14 days prior to converting to a permanent loan
Choice of fixed or adjustable rate
Minimum investment as little as 5%*
Interest-only payments during construction

Home Equity Loan

Call for Rates and Term for Home Equity Loans.

Reverse Mortgages

Cohen Financial has teamed up with the Nations Largest Lender. The Leader in Reverse MortgageLoans.

Reverse Mortgage products are a safe and easy way for seniors, age 62 and older to turn their home's equity to meet their specific financial needs—with no
required monthly mortgage payments. Enjoy 100% Mortgage Freedom, No mortgage payments, and Monthly Income.  
With a Reverse Mortgage you may continue to receive income, and defer repayment, for as long as you live at home - no matter how long that may be - and, your
Reverse Mortgage income is tax free.

All Reverse Mortgages are non-recourse home loans which means there is no personal liability to you or your Heirs - no matter what - Reverse Mortgage lenders
can only look to your home's value for repayment (both Homeowner and Lender are insured against loss).

With a Reverse Mortgage, you can never ever be forced from your home (you own it) - the Reverse Mortgage does not have to be repaid until after you permanently
vacate your home.



*Rates & terms subject to change without notice. For Qualified Buyers. Subject to Credit approval. Equal Housing Lender Subsidiary of Landmark Realty Corp. Loans will be made   
or arranged pursuant to, CDR, CFL, Real Estate Broker,  DRE Lic :01493007.




















               
Which loan is right for me?      
                                        
Years you plan to stay in the home Recommended program
1-3 years 3/1 ARM, 1 year ARM, Option Payment, or 6 month ARM
3-5 years 5/1 ARM  
5-7 years 7/1 ARM
7-10 years 10/1 ARM, 30 year fixed or 15 year fixed
10+ years 30 year fixed or 15 year fixed




Loan Program Advantages Disadvantages

Adjustable Rate Mortgages (ARM)
10/1 ARM
7/1 ARM
5/1 ARM
3/1 ARM
1 year ARM
6 month ARM
1 month ARM
Lower initial monthly payment
Rates and payments may go down if rates improve
May qualify for higher loan amounts
30 year term, no balloon payment
More risk
Payments may change over time
Potential for higher payments if rates increase
Loan Program Advantages Disadvantages

Fixed Rate Mortgages
30 year fixed
15 year fixed
Monthly payments are fixed over the life of the loan
Interest rate does not change
Protected if rates go up
Can refinance if rates go down
Higher interest rate
Higher mortgage payments
Rate does not drop if interest rates improve
Loan Calculator
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Loan Programs and
Services
Home Equity Line of Credit up to 125% of your Home Value
125% Refinance Mortgage
Cohen Financial Group is a premiere second mortgage broker who offers exclusive home equity
loans to 125%, debt consolidation second mortgages, fixed rate refinance, bad credit lines for
cash out refinancing, FHA, VA and new home financing. Our mortgage lending company
maintains its headquarters in California, but we offer prime, conventional, non-conforming, FHA,
VA, subprime and home equity services to consumers nationwide. Homeowners can take
advantage of discount interest rates offered to borrowers who want to refinance adjustable rate
mortgages, high interest credit card debt or their variable home equity lines of credit into a tax
deductible fixed rate loan.