COSI, CODI, COFI, MTA, LIBOR ARMS

The PREFERRED BANKER LOANS are special loans available only to persons with very good credit and loan LTVs of 80% - 95%. These loans have a unique option of loaning yourself money by making monthly payments set at a lower amount than required. Persons utilizing these options can put their equity in savings or investment accounts instead of paying it towards a mortgage.

These SPECIAL LOANS can be a COFI, COSI, 12 Month MTA or LIBOR Indexed ARM - a hybrid mortgage that combines the best of fixed and adjustable rate mortgage programs. It gives you the low payments of an adjustable mortgage - with rates starting as low as 1.25% (depending on loan program)! But, because it's based on savings rates, it's a very stable loan similar to a fixed rate program. This is one of the few programs that gives borrowers the low payments they want, the tax deductions they need, and a 30-year loan that may be paid off in 20 years.

* This feature is available only with the COSI Loans.

Advantages of the Flex-Payment Loan:

One of the best benefits of the Preferred Banker Loan is its ability to allow you to make money on the bank's money. The difference between what you would be paying on another program and the savings you see with the Preferred Banker Loan can be put towards your retirement, your investment portfolio, college tuition or any type of saving or investment vehicle. In other words, this loan can be used not only as a tax reducing mortgage program, it is also a financial tool.

For Example: