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Payment Option ARM Calculator

Loan Amount:	$
Start Rate¹:		%

Current Index:		%
Margin:		%

	30 Yr Monthly Payment	Minimum Payment²	Monthly Savings³
Year 1	$0.00	$0.00	$0.00
Year 2	$0.00	$0.00	$0.00
Year 3	$0.00	$0.00	$0.00
Year 4	$0.00	$0.00	$0.00
Year 5	$0.00	$0.00	$0.00

Other Payment Options
Interest Only Payment:	$2,134.17
40 Year Payment:	$0.00
15 Year Payment:	$0.00

Effective Interest Rate⁴ (Index + Margin): 5.122%

Assumptions:

¹ The low initial Minimum Monthly Payment is calculated based on the low initial start rate. Rates are for calculation purposes only, please call your loan officer for rate quotes.

² Paying the Minimum Monthly Payment will result in deferred interest, which will be added to the principal balance and increase your loan amount. This is called negative amortization. For the first 5 years the minimum payment will increase 7.5% over the previous year.

³ The Monthly Savings is calculated using the current Index + Margin. Rate increases or decreases are not computed. Monthly Savings compares the 30 Year Payment to the Minimum Payment.

⁴ The Effective Interest Rate is the rate the Lender charges each month. It is equal to the Index Rate + Margin. The Index + Margin yield may change each month as the Index rate changes.

The Lending Company - 6910 East Chauncey lane # 205 - Scottsdale, AZ 85254
Office Phone: (480) 390-2123 Fax: 480-323-2909
E mail: MBongiovanni@thelendingco.com &: FHALoanAZ@Yahoo.com

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BK-0909441 Bank Number can be verified at the "Arizona Department of Financial Insitutions" web site: www.AZDFI.GOV

Manny offers a quote for a refinance, home mortgage or consultation. We specialize in Arizona FHA loans and offer competitive rates for the following cities:

Phoenix, Scottsdale, Tucson, Mesa, Glendale, Chandler, Gilbert, Tempe, Peoria, Surprise, Yuma, Ahwatukee, Buckeye, Avondale, Sun City, Queen Creek, Maricopa, Casa Grande, Apache Junction, Cave Creek, Care Free, Yuma, Prescott, Prescott Valley, Cottonwood, Sedona, Flagstaff, Winslow, Showlow, Holbrook, Kigman, lake Havasu, Parker, Bullhead City and More!

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