What is a Interest-Only Mortgages?
Interest-only mortgages require only the interest payment for an initial period — often 5–10 years — after which the loan transitions to standard principal and interest payments. Widely used by investors to optimize monthly cash flow.
Key Features
- Pay only interest during the initial period
- Lower required monthly payments
- Available on fixed and ARM products
- Great for maximizing rental property cash flow
- Balloon and term options available
- Flexible for high-income borrowers with variable income
Who Is This For?
Real estate investors, self-employed borrowers, and high earners who want to minimize required monthly payments and direct capital elsewhere.
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