Loan Program: Features: Recommended For Those Who:

Loan Products Conventional Fixed-RateMortgage

Adjustable-Rate Mortgage

Conventional High-BalanceMortgage

Jumbo Mortgage

FHA Mortgage

VA Mortgage

• Monthly principal and interest (P&I) paymentsthat remain the same for the entire life of theloan

• Protection from rising interest rates• You may choose from 10, 15, 20, 25 and 30year fixed term

• Interest rate that is fixed for an initial period(3-10 years), then adjusts periodically based onmarket conditions

• Lower initial rate than a fixed-rate mortgage• A variety of fixed-period options

• Loan amount exceeds the conforming loanlimits set forth in higher cost areas

• Loan amount > $424,100 to $636,150 in those higher cost areas

• Offered in fixed and adjustable rate• Minimum down payment as low as 5%• Lower interest rate and APR in comparisonto jumbo mortgages

• Loan size exceeds conforming and high- balance loan limits in higher cost areas

• Offered in fixed and/or adjustable rate mortgage• Minimum of 10% down payment is required• Typically have higher interest rates since theloan amount is above the conforming limits

• Low down payment requirements(3.5% minimum)

• Flexible income, debt, and credit requirements• Down payment and closing costs may befunded by a gift or grant

• Loan amount can exceed the conforming loanlimit of $424,100 in higher cost areas

• Low payment requirements (3.5% minimum)• Flexible income, debt and credit requirements• Down payment and closing costs may befunded by a gift or grant

• Loan amount can exceed the conforming loanlimit of $424,10 saera tsoc rehgih ni 0

• No down payment required• Flexible income, debt and creditrequirements to help qualify VA borrowers

• Down payment and closing costs may befunded by a gift or grant

• Prefer regular payments with no surprises• Limited or fixed incomes• Plan to stay in their homes a long time• Are buying a home at a time wheninterest rates are comparatively low

• Looking to increase their short-term cashflow

• Plan to move or refinance within a fewyears

• Are looking to buy a high-end propertyand/or purchase in a high cost area

• With limited funds for down payment

• Are looking to buy a high-end propertyand/or purchase in a high cost area

• Are first-time and repeat homebuyers• With limited funds for down payment• With less than perfect credit

• Military service members(may include veterans, reservists,active-duty members)

• Limited funds for down payment• With less-than-perfect credit

• No down payment required

www.premiarelocationmortgage.com866.591.0655

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