In addition to standard mortgages, including ARMs and multi-year fixed rate mortgages, we also offer loans designed to help you achieve specific goals.

With Avrus Financial & Mortgage Services, Inc.® you can borrow an unlimited amount for refinancing.

Lower start rate Lower initial monthly payments Larger loan amounts available

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Loan options	Why choose it	Key points
Cash Flow Management Optional Payment	Fixed or adjustable rate which gives you the options each month to pay, the smallest payment, Interest Only, 30 or 15 year term	More Flexibility to manage cash flow instead of only paying mortgage payments you can buy other things, go on vacation, ect.
Non-conforming ("Jumbo") Loans	You need to borrow more than $417,000*.	Loans up to $10 million. Wide variety of program options: Reduced documentation loans No ratio test loans No income/no asset loans Expanded exception programs Expanded cash-out refinancing options Second homes Investment properties Condominiums Foreign nationals
Home Equity Loan	You have from 0% to 10% for a down payment and want to avoid paying mortgage insurance.	Combine your down payment, a first mortgage, so that you can achieve 20% down to avoid paying mortgage insurance.

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