All State Lenders Corp

(10/1ARM, 7/1 ARM, 3/1 ARM, 1 year ARM, 6 month ARM, 1 month ARM) Lower initial monthly payment.Lower payment over a shorter period of time. Rates and payments may go down if rates improve. May qualify for higher loan amounts

30 Year Fixed, 15 Year Fixed. Monthly payments are fixed over the life of the loan. Interest rate does not change Protected if rates go up. Can refinance is rates go down

Fixed Payments. Interest may be tax deductible

You only borrow what you need. Pay interest only on what you borrow. Flexible access to funds. Interest may be tax deductible

Potential for reestablishing credit if you pay your mortgage on time. When used for debt consolidation, you may be able to reduce your monthly debt payment

No closing costs, Less money required to close

Use the home’s equity to pay closing costs. Cost of refinance may be tax deductible