A Hybrid Mortgage - Explore What's Possible

If you're like many American homeowners who currently have an adjustable rate loan, you may be thinking about refinancing your home loan into a stable, fixed rate mortgage, such as a 30-year fixed rate loan. However, you may also have a sizable, outstanding mortgage balance. And if you've been shopping for a mortgage, you may have already discovered that the estimated monthly mortgage payment on a 30-year fixed mortgage challenges your budget.**

Are there any reasonable options to explore? Yes! A Hybrid 5 Adjustable Rate Mortgage (ARM) from Countrywide is a powerful home loan option for homeowners searching for a flexible mortgage solution that fits their family budget.

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Key Features of a Hybrid 5

• Low starting interest rate*
• Fixed-period interest rate and stable payment for the first five years
• Converts to an adjustable rate after 5 years
• Owner-occupied, second home, and investment homes eligible
• Loan amounts up to $2 million for well qualified borrowers

A Hybrid 5 - Is it Right for You?

• Keeping your starting monthly payment low is important to you.
• You're looking for the stability of a fixed-period interest rate and payment to help you manage your finances.
• You plan to live in your home for a short period of time and are willing to accept the potential for future rate increases since you plan on selling your home before the five-year fixed interest rate period ends.
• You feel your income will rise in the coming years to handle any increase in payments after your loan adjusts.

If you answered YES to any of the questions above, a Hybrid 5 loan from Countrywide may be a home loan solution that's right for you. A free, home loan consultation from Countrywide can help you determine if a Hybrid 5 loan, or another loan solution, is right for your needs.

Next Steps

Get answers to your questions fast by calling our experienced Home Loan Consultants at 1-866-436-0620. Get a FREE loan consultation and rate quote right over the phone. At Countrywide, we work to help you find home loan solutions to meet your needs. Call today!

* ARM rates and monthly payments subject to increase after the five year fixed period. The loan will then be fully amortized over the remaining term as an adjustable-rate mortgage that adjusts every six months or once a year, depending on the program you choose.

** Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and/or the total amount paid when compared to your current situation.

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