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Know your "Options" for Incredible Financial Benefits

Last month, we introduced a powerful financial tool called Option ARMs. These mortgages offer a host of benefits to savvy borrowers. Option ARMs are a truly flexible way to generate cash flow, spend less money on your home and manage your finances more effectively. These benefits are truly worth understanding. Read more here, then call us for more information. It’s worth one simple phone call to learn more!

Benefit: Quickly save for tuition, child or elder care expenses. Option ARMs enable you to generate additional cash flow that can be invested in high-return investments, which you can use for family expenses. A financial planner can help you determine the best way to invest this money, based on your short or long term goals. You can generate lots of extra money quickly, with a combination of an Option ARM and savvy investing.

Benefit: Retire earlier with a larger, tax-free nest egg. Simply take the additional cash flow generated by your Option ARM and put it into a tax-free, retirement investment account. Rather than tie up money in mortgage payments, your money will be working for you. That means you'll get to your retirement goals (and the golf course!) sooner.

Benefit: Free up cash for value-adding home renovations. Many people dream of fixing up a home, but once you lay out all that cash for your mortgage, it’s common to have nothing left over and no room to refinance. Option ARMs generate additional cash flow each month, so you can fix up your home and sell it at a profit.

Benefit: Take advantage of appreciating real estate values. When you know your home will increase in value in the next few years, you can use Option ARMs to generate increased cash flow for other, higher-return investments. After all, mortgages are not known for making you money – more like taking your money!  Why lose all that money in interest when it could be working for you somewhere else?

Benefit: Pay less mortgage interest over the life of the loan. One of the best features about Option ARMs is that they re-calculate your payment regularly, based on the outstanding principal balance. That means that your mortgage payment changes based on your principal balance, rather than the traditional method of basing your payment on the original loan amount. You can save tens of thousands of dollars with this feature alone!

Benefit: Effectively mitigate complex tax situations. This benefit will especially come into play for investors and high-end buyers. Option ARMs enable you to decrease Capital Gains penalties, avoid the Alternative Minimum Tax and use your mortgage interest to your tax advantage!

Benefit: Manage unexpected changes in commissions or income. Even the best business owner, self employed worker, investor or salesperson can have unexpected changes in their income. Option ARMs allow you to smooth out the bumps and will ultimately help you pay off your home earlier AND save thousands in mortgage interest over the life of the loan!

Like what you see? Still skeptical? Savvy borrowers will take the time to learn more. It’s worth one phone call!

Karen Wimer, Branch Manager
Bauer Mortgage Group
170 State Street
Portsmouth, NH 03801
603-430-7729
888-25BAUER

 To obtain your personalized rate quote from Bauer Mortgage Group, email karen@bauermortgage.com or call 603-430-7729!