We offer a "Low Cost" option on all our Smart Rate Adjustable Mortgages.  For a flat fee of $395 - $ 595 depending on the state where the property is located, you can close on any one of our 3/1 or 5/1 Smart Rate adjustable mortgages. These "Low Cost" options have a slightly higher initial interest rate than our Smart Rate mortgages with full closing costs. 


We also offer a "Low Cost" option on select fixed rate mortgages.  Currently, we do not offer "No Cost" mortgage options.