There are many types of loans and loan programs. I will discuss the following: Fixed Rate Mortgages Adjustable Rate Mortgages (ARM) Standard ARM Programs Introductory Rate ARM Terms (Suspended) London InterBank Offered Rate (LIBOR) Balloon Mortgages (5/25 or 7/23) (Suspended) BuyDown Options Cost of Funds Index (COFI) ARM (Suspended) 80/10/10, 80/15/5, and Other Combinations No Documentation Loans (Suspended) Relocation Loans Investment Property Loans No Cost Home Equity Loans Loans With Less Than Perfect Credit (Suspended) Bi-Weekly Programs Construction to Permanent Loans

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