Pay Option Loans

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At Gold Medal Mortgage.com, more than 77% of our business comes from people who were working with another lender. Why?

Because we can save you up to 45% on your current mortgage payment and give you mortgage rates as low as 1% - perfect credit not required and no closing costs.
We guarantee your payment for five years.
At Gold Medal Mortgage.com, we don't close deals, we open relationships. Our philosophy is simple, we want to be your financial partner for life!

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Pay Option Loans

For adjustable rate home mortgage loans use a Pay Option Loan. Every month, you have the complete flexibility to decide which of four payment choices you would like to make including interest only.

This program is ideal for refinancing your ARM and anybody that has fluctuating income such as the self-employed. It is also ideal if you are looking to buy a new home or even a first time home buyer and want the lowest possible monthly payment or just want to lower your existing mortgage payment.

For California interest only loans, the Pay Option loan is a relatively new product that allows you four payment options each month:

-1. 15 year payment- Pay your home loan off and build equity faster as well as save thousands of dollars in interest;
-2. 30 year payment- This option will let you know how much to pay to have your home free and clear in the standard thirty years;
-3. Interest only option- This option allows you to pay only the interest portion of your monthly payment so you can increase monthly cash flow;
-4. 1% Minimum payment-This option allows you to pay your mortgage at a 1% rate of interest for maximum savings.

The Pay Option is the absolute best adjustable rate mortgage, ARM, product available today for a California refinance loan. It has built in features that protect you from the typical worries associated with an adjustable rate mortgage.

One is the fact that your payment cannot increase more than 7.5% above the previous year for the first five years. Another gives you the option to convert to a fixed rate mortgage after the first three years.

With these features in place you can rest easy and save money with the optional monthly payment your pay option loan allows you and your new adjustable rate mortgage or ARM.

For immediate assistance on a Pay Option Home Loan and lowering your monthly payments,
please call 1-866-398-4664.