......., the monthly payment may be too high for you. If this is the case, there’s a tried-and-true method available to solve that problem for you.

It’s called the E-Z Start Program, and it suits today’s real estate market very well.

Here’s how it works:

For a small fee paid for by the seller, the lender lowers your Fixed Rate Mortgage   payment. And it’s done in this manner:

  • In the first year of the mortgage, the principle and interest payment is reduced approximately 20 percent.
  • In the second year of the mortgage, the principle and interest payment is reduced approximately 10 percent.
  • After two years, the payment goes to the original fixed rate principle and interest payment for the life of the mortgage.

As you can see, this method leaves more money in your pocket while providing a lower payment for the first two years of loan. But those aren’t the only benefits you receive from the program.

All of the mortgages in this program are fixed-rate, 30-year mortgages. For you, this brings the security of knowing exactly what your interest rate will be for the life of the loan. You won’t experience any of the “sticker shock” that comes with Adjustable Rate Mortgages (ARMs).

And here’s another advantage you’ll appreciate – the E-Z Start Program is available through FHA, VA, and Fannie Mae.

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