How interest only mortgage loans actually work.

Interest only loans are particularly attractive to borrowers buying a home they can grow into payment-wise...
borrowers who can look to the future, and see their incomes rising to afford a home they need now. Interest
only loans are also attractive to borrowers who would like to use their money for other investments; while
they're living in a home on a relatively short-term basis... a period of time thats equal to or lesser than their
interest only option period. Learn more about 80/20, 70/30 and other interest only loan options.

Purchase a home like this with 100% financing.

Refinance a home like this even with bad credit.

Buying a home with interest only payments.

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Interest-only mortgage loans are not for everybody in every situation.

How interest only mortgage loans actually work.

There are many wholesale lenders and investors who offer interest only mortgages. They are not difficult to
source. In the popular vain, they are usually teamed with zero down purchase mortgages; although they are
also very available as refinance loans. When teamed with zero down purchase mortgages, they are most
often offered as 80/20 combo loans... where 100% financing is provided in the form of two loans. The first
loan is the 80% loan, and the second loan is the 20% loan.

With the vast majority of 80/20 loan offerings, the interest only option applies only to the larger 80% loan.
And, the option to pay interest only usually exists for the first 60 months or 5 years of the loan. After which,
the loan reverts to a mandatory principal and interest payment loan.

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