Services We Provide
Real Estate & Financing Services
The following table shows Advantages v/s Disadvantages of various loan programs

Loan Program        Advantages                                                  Disadvantages

Fixed Rate                  •  Monthly payments are predictable          •  Pay more in interest
                                   •  Less risk                                                        •  Higher interest rate
                                   •  Rate does not change                                 •  Not taking advantage of lower
                                                                                                                    interest rates

Adjustable Rate        •  Initial monthly payments are lower
                                   •  Easier to qualify for higher loan                •  More risk
                                      amounts                                                          •  Un-predictable future housing
                                                                                                                •  Potential higher payments
                                                                                                                   (Life Cap)
Stated Income          •  Income is not verified                                  •  Higher rates
                                                                                                                •  To be qualified, a low LTV is
Combination loans
(Ex: 80/10/10)            •  Avoid PMI
                                  •  Tax advantages                                             •  Possibly higher monthly
                                                                                                                •  Two monthly payments are
                                                                                                                   needed (instead of one)

HELOC                        •  Flexible access to funds : only draw        •  Higher interest rate than
                                     what you need , only pay interest on           a first mortgage.
                                     what you borrow
                                  • Tax advantages         

Home Equity Loan    •   Predictable fixed payments                     •   Higher interest rate than
                                   •  Tax advantages                                               a first mortgage
                                                                                                                •  Cannot withdraw any
                                                                                                                   additional fund

We hope the above information can give you some ideas about choosing your financial

Please call us anytime. Our response is as soon as possible, usually within 10 minutes.

Best Regards,

Caroline Tran  & The PURITY Group
DRE# 01334109
Vice President, CFO – The PURITY Real Estate Investment and Finance, Inc.
(408) 595 – 6416, (408) 904 - 7030
Buyer Estimated Closing Cost
Seller Estimated Closing Cost
All steps of a loan at PURITY
Adv/DisAdv of a loan program
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NEZA / IPC Binh Dinh