ADJUSTABLE RATES


1 month, 1 year, 3 year, 5 year, 7 year and 10 year


FIXED RATES


10 year, 15 year, 20 year and 25 year


AMORTIZATION


up to 30 years


PAYMENT FREQUENCY


monthly, semiannual or annual


PREPAYMENTS OPTIONS


NO prepayment penalty on most loans


CONVERSION OPTION


Most allow convertibility between loan products during the mortgage term