Mortgage Concepts presents the 1.95% * Executive Mortgage

The Executive Mortgage is a hybrid mortgage that combines the best of fixed and adjustable rate mortgage programs. It gives you the low payments of an adjustable mortgage, starting at an incredibly low 1.95 %*; but since it is based on saving's rates, it's a very stable loan similar to a fixed rate program. This is one of the few programs that gives borrowers the low payments they want, the tax deduction they need, and it is a 30-year loan that is paid off within 20 years.

Features Benefits

Low payments up front

More money in your pocket

Biweekly payments

Pay off the loan 10 years early and save you money

Tied to the Cost of Funds Index

The most stable index based on saving's rates

7.5% payment cap

Allows you to grow into your mortgage

No income verification

Self-employed and those with unverifiable income can qualify for the home they really want. Less paperwork for all others.

Low start rate

You can afford the home of your future, now

Low payments

Put the savings toward investments, retirement, or education funds

Does not require escrows

Keep your money in your accounts

Re-amortizes immediately

By paying more toward your mortgage, your required payments actually drop

Conversion option

Allows you to convert to a 30-year fixed program any time between years 1 through 7.

Click here to Begin the
Executive Mortgage Seminar*
*Approx. 17 minutes in length. Press 'Next' button on chalkboard to proceed to new sections.

Go to Loan Calculator to compare the Executive Mortgage to any other fixed-rate mortgage program.

One of the best benefits of the Executive Mortgage is its ability to allow you to make money on the bank's money. The difference between what you would be paying on another program and the savings you see with the Executive Mortgage can be put towards your retirement, your investment portfolio, college tuition or any type of saving or investment vehicle. In other words, this loan can be used not only as a tax reducing mortgage program, it is also a financial tool.

For Example:

Bill Wright is 40 years old with two children. He currently has $10,000 in retirement savings and he is only contributing a small amount of his salary into his 401K program. Currently he has a $200,000 fixed-rate mortgage at 8.5%. After he refinanced with the Executive Mortgage, Bill takes only the first five year's worth of savings from his high interest fixed rate program. He then invests it into his 401K where it will earn an average rate of return of 15% per year, based on historical averages. The five year's worth of savings is $27,711. When invested back into his 401K program, the portfolio will have grown to $46,498 at the end of five years.

After 15 years, Bill's money will have grown to $206,463, just when his kids are ready for college. At the end of 30 years when Bill is ready to retire, his portfolio will have grown to an impressive $1,931,734! Plus, when you consider that he paid off his mortgage 10 years early, he saved an additional $184,560 in payments. Not bad when you consider that Bill invested only the first five year's worth of savings; and he has a nice retirement nest egg and a fully owned house. To see how much money you can save, go to the Loan Calculator.


Fill out our easy online loan application!

*(APR or Annual Percentage Rate, this is your fully indexed rate which is currently 8.031%)



Mortgage Concepts, Inc.
9516-C Lee Highway, Fairfax, VA 22031
Phone: (703) 273-9332 Fax: (703) 273-6074
Toll Free: (877) MCI-LEND or (877) 624-5363