Payment Option Arm Calculator

Pinnacle One Lending, LLC

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Payment Option ARM Calculator

Loan Amount:	$
Start Rate¹:		%

Current Index:		%
Margin:		%

	30 Yr Monthly Payment	Minimum Payment²	Monthly Savings³
Year 1	$0.00	$0.00	$0.00
Year 2	$0.00	$0.00	$0.00
Year 3	$0.00	$0.00	$0.00
Year 4	$0.00	$0.00	$0.00
Year 5	$0.00	$0.00	$0.00

Other Payment Options
Interest Only Payment:	$2,134.17
40 Year Payment:	$0.00
15 Year Payment:	$0.00

Effective Interest Rate⁴ (Index + Margin): 5.122%

Assumptions:

¹ The low initial Minimum Monthly Payment is calculated based on the low initial start rate. Rates are for calculation purposes only, please call your loan officer for rate quotes.

² Paying the Minimum Monthly Payment will result in deferred interest, which will be added to the principal balance and increase your loan amount. This is called negative amortization. For the first 5 years the minimum payment will increase 7.5% over the previous year.

³ The Monthly Savings is calculated using the current Index + Margin. Rate increases or decreases are not computed. Monthly Savings compares the 30 Year Payment to the Minimum Payment.

⁴ The Effective Interest Rate is the rate the Lender charges each month. It is equal to the Index Rate + Margin. The Index + Margin yield may change each month as the Index rate changes.

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CPA Advantage Realty, LLC specializes in Homes and real estate in the Phoenix metro area including, Scottsdale, Gilbert, Tempe, Chandler, Mesa, Phoenix, Peoria, Ahwatukee, Gold Canyon, Apache Junction, Glendale, Carefree, Cave Creek, Queen Creek, Glendale, Surprise, and Laveen, Arizona.

CPA Advantage Realty, LLC is licensed to provide real estate brokerage services in the State of Arizona. Although CPA Advantage Realty, LLC is owned and operated by an individual who is duly licensed as a certified public accountant in the State of Arizona, CPA Advantage Realty, LLC is not a certified public accountant firm and is not regulated by the Arizona State Board of Accountancy.