Coolhaus Mortgage & Real Estate is committed to providing innovative and flexible loan programs. Our wide range of loan options offer something for everyone. Here are some of our most popular loan products:

1.00% Note Rate
Finally a home loan that puts you in control. Coolhaus Mortgage & Real Estate’s PayOption ARM is an adjustable rate mortgage that begins with a very low introductory interest rate and gives you up to four monthly payment options.

Here’s how it works:
Your statement will have up to 4 payment options (options vary each month). Each month you choose which payment YOU want to make.

• 1.00% Minimum payment - The lowest payment amount required each month and it will remain unchanged for the first 12 months of the loan. (This payment option may result in negative amortization.) • Interest only payment - This payment option covers only the interest due for the previous month (but will not pay down any of the principal balance on your loan). • 15 year amortized payment - Is calculated using the then-current interest rate and principal balance and the remaining term of an assumed original loan term of 15 years from the first payment due date. • 30 or 40 year amortized payment - This payment option equals the principal and interest due for that month, calculated at the then-current interest rate and principal balance and remaining loan term.

Home Equity Loans
Use you home equity to achieve extra spending power. Tapping into the equity in your home can be a smarter way to borrow and could enable you to take advantage of lower interest rates than many other forms of credit. Our borrowers use home equity lines of credit to:

• Consolidate and pay off high-interest debt • Lower monthly payments • Enjoy greater spending power

And best of all, your home equity loan may be tax deductible*.
* Consult your tax advisor

There are many ways a Coolhaus Mortgage & Real Estate Loan can help you take advantage of low interest rates and achieve your goals. Contact us today to discuss your options.

Zero Down Financing
Worried about a down payment? Would 100% financing help? With our 80/20 no down payment loan, you can afford that dream home sooner than you think.

• 100% financing • No income documentation • No mortgage insurance required • Loan types include Fixed Rate, Fixed ARM’s, Interest Only Products

Questions? To speak with one of our loan specialists, please call us at (619) 757-1325.