Homeowners and property investors seem to always be navigating a changing market, making cash flow flexibility and stable payment options key. Fixed rate interest-only mortgages offer a unique solution, combining long-term fixed rates with lower monthly payments for an extended period of time.
A program like this will empower your clients to better manage their finances, reinvest equity, and adapt to life’s changing needs—all while maintaining predictable rates.
What is the 40-Year Fixed Interest Only Mortgage?
This innovative program offers up to 10 years of interest-only (IO) mortgage payments before shifting to fully amortized payments for the remaining 30 years. During the interest-only phase, borrowers pay just the interest, giving them significant breathing room in their monthly budget. Once this period ends, they transition to payments that cover both principal and interest—keeping the rate fixed throughout. It’s a solution designed for stability and flexibility.
Benefits Of LendSure’s 10/40 Fixed Rate Interest Only Mortgage Program
- Lower Monthly Payments – During the first decade, your clients enjoy reduced payments, allowing them to prioritize cash flow for other goals like investments, savings, or home improvements.
- Built-In Flexibility – Borrowers can switch between interest-only and fully amortized payments without penalty, making it easy to adapt to life changes.
- Long-Term Rate Security – With a fixed rate locked in for 40 years, borrowers can rest easy knowing their payments won’t suddenly spike due to market fluctuations.
- Smart Equity Use – This loan option allows clients to access their home’s equity and reinvest it strategically, whether for a business venture, debt consolidation, or another property.
More About LendSure’s 10/40 Fixed-Rate Interest Only Mortgage Program
- Great way for property investors and self-employed borrowers to leverage their equity to increase their monthly cash flow
- No prepayment penalties on owner-occupied property loans
- Eligible for ALL Full Doc, DSCR, and 12- or 24-month Bank Statement programs
- Loan amounts as high as $3,000,000
Expand Your Loan Toolkit
Offering LendSure’s 10/40-Year Fixed Interest Only mortgage sets you apart from other brokers by giving clients an alternative financing solution tailored to their specific financial goals. Real estate investors can maximize rental income with lower monthly costs, while cash-strapped homeowners gain financial breathing room. This flexibility can lead to happier and more loyal clients, boosting your business.
The LendSure Way
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers ratios, and data to consider, but we know that behind every file, there’s an individual with a unique circumstance seeking a loan. We work hard to offer our common-sense take on lending to borrowers seeking funding for the home of their dreams, another addition to their investment property portfolio, or refinancing of a currently-owned property.
Are you ready to benefit from a common-sense approach to lending? Contact us today to learn more about non-QM loans and how partnering with LendSure Mortgage Corp. can help grow your bottom line.
