document.write ('<h2 class="title">Which loan is right for me?</h2>');
document.write ('<br>');


document.write('<table border="0" cellpadding="4" cellspacing="2" width="100%">\
	<tbody>\
		<tr class="oddrow">\
			<th>Years you plan to stay in the home</th><th>Recommended program</th>\
		</tr>\
		<tr class="evenrow">\
			<td>1-3 years</td>\
			<td>3/1 ARM, 1 year ARM </td>\
		</tr>\
		<tr class="evenrow">\
			<td>3-5 years</td>\
			<td>5/1 ARM</td>\
		</tr>\
		<tr class="evenrow">\
			<td>5-7 years</td>\
			<td>7/1 ARM</td>\
		</tr>\
		<tr class="evenrow">\
			<td>7-10 years</td>\
			<td>10/1 ARM, 30 year fixed or 15 year fixed</td>\
		</tr>\
		<tr class="evenrow">\
			<td>10+ years</td>\
			<td>30 year fixed or 15 year fixed</td>\
		</tr>\
	</tbody>\
</table>');
document.write('<br>');
document.write('<table border="0" cellpadding="4" cellspacing="2" width="100%">\
	<tbody>\
		<tr>\
			<th>Loan Program</th><th>Advantages</th><th>Disadvantages</th>\
		</tr>\
		<tr class="oddrow" valign="top">\
			<td>\
			<b>Fixed Rate Mortgages</b>\
			<ul class="condensed">\
				<li>30 year fixed</li>\
				<li>15 year fixed</li>\
			</ul>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>Monthly payments are fixed over the life of the loan</li>\
				<li>Interest rate does not change</li>\
				<li>Protected if rates go up</li>\
				<li>Can refinance if rates go down</li>\
				<li>Conforming loans up to $417,000</li>\
				<li>Jumbo loans exceeding $417,000 up to $2 million&nbsp; Lowest rates in town, call for details</li>\
			</ul>\
			<p>&nbsp;</p>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>Higher interest rate</li>\
				<li>Higher mortgage payments</li>\
				<li>Rate does not drop if interest rates improve</li>\
			</ul>\
			</td>\
		</tr>\
		<tr>\
			<td colspan="4"><br>\
			</td>\
		</tr>\
		<tr>\
			<th>Loan Program</th><th>Advantages</th><th>Disadvantages</th>\
		</tr>\
		<tr class="oddrow" valign="top">\
			<td><b>Adjustable Rate Mortgages (ARM)</b>\
			<ul class="condensed">\
				<li>10/1 ARM</li>\
				<li>7/1 ARM</li>\
				<li>5/1 ARM</li>\
				<li>3/1 ARM</li>\
				<li>1 year ARM</li>\
			</ul>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>Lower initial monthly payment</li>\
				<li>Rates and payments may go down if rates improve</li>\
				<li>May qualify for higher loan amounts</li>\
				<li>30 year term, no balloon payment</li>\
				<li>Conforming loans up to $417,000</li>\
				<li>Jumbo loans exceeding $417,000 up to $2 million&nbsp; Lowest rates in town, call for details</li>\
			</ul>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>More risk</li>\
				<li>Payments may change over time</li>\
				<li>Potential for higher payments if rates increase</li>\
			</ul>\
			</td>\
		</tr>\
		<tr>\
			<td colspan="4"><br>\
			</td>\
		</tr>\
		<tr>\
			<th>Loan Program</th><th>Advantages</th><th>Disadvantages</th>\
		</tr>\
		<tr class="oddrow" valign="top">\
			<td><b>Balloon Mortgages</b>\
			<ul class="condensed">\
				<li> 7 year</li>\
			</ul>\
			<p>&nbsp;</p>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>Lower initial monthly payment</li>\
				<li>Lower payment for a predetermined period of time</li>\
				<li>Many balloon mortgages offer the option to convert to a new loan after the initial term</li>\
			</ul>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>Risk of rates being higher at the end of the initial fixed period</li>\
				<li>Risk of foreclosure if you cannot make balloon payment, refinance, or exercise the conversion option</li>\
				<li>Balloon payment requires you to sell or refinance after the term, as opposed to a 7/1&nbsp; program with a 30 year term</li>\
			</ul>\
			</td>\
		</tr>\
		<tr>\
			<td colspan="4"><br>\
			</td>\
		</tr>\
		<tr>\
			<th>Loan Program</th><th>Advantages</th><th>Disadvantages</th>\
		</tr>\
		<tr class="oddrow" valign="top">\
			<td><b>First Time Buyer Programs</b></td>\
			<td>\
			<ul class="condensed">\
				<li>Lower down payment</li>\
				<li>Easier to qualify</li>\
				<li>Lower rates may be available</li>\
			</ul>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>May be subject to income and property value limitations</li>\
				<li>Some government subsidized programs may generate a recapture tax if you sell the house too soon</li>\
				<li>Education courses may be required to qualify for these loans</li>\
			</ul>\
			</td>\
		</tr>\
		<tr>\
			<td colspan="4"><br />\
			</td>\
		</tr>\
		<tr>\
			<td colspan="4"><br />\
			</td>\
		</tr>\
		<tr>\
			<th>Loan Program</th><th>Advantages</th><th>Disadvantages</th>\
		</tr>\
		<tr class="oddrow" valign="top">\
			<td><b>Interest Only Programs</b></td>\
			<td>\
			<ul class="condensed">\
				<li>You have several payment options</li>\
				<li>Lower monthly payments</li>\
				<li>Qualify for a higher loan amount</li>\
				<li>Option to pay the full normal payment</li>\
				<li>Interest only payments for up to ten years</li>\
			</ul>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>Higher rates</li>\
				<li>Principal loan balance will not decrease during the interest only payment period</li>\
				<li>Payment will be higher for the remaining term</li>\
			</ul>\
			</td>\
		</tr>\
		<tr>\
			<td colspan="4"><br />\
			</td>\
		</tr>\
		<tr>\
			<th>Loan Program</th><th>Advantages</th><th>Disadvantages</th>\
		</tr>\
		<tr class="oddrow" valign="top">\
			<td><b>No point, No fee Programs</b></td>\
			<td>\
			<ul class="condensed">\
				<li>No out-of-pocket loan costs at closing</li>\
				<li>Closing costs are paid from the lender rebate</li>\
				<li>Less money required to close</li>\
				<li>Refinance without increasing your loan amount</li>\
			</ul>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>Higher rates</li>\
				<li>Higher payments</li>\
			</ul>\
			</td>\
		</tr>\
		<tr>\
			<td colspan="4"><br />\
			</td>\
		</tr>\
		<tr>\
			<th>Loan Program</th><th>Advantages</th><th>Disadvantages</th>\
		</tr>\
		<tr class="oddrow" valign="top">\
			<td><b>Home Equity Fixed Loan</b></td>\
			<td>\
			<ul class="condensed">\
				<li>Fixed payments</li>\
				<li>Interest may be tax deductible</li>\
				<li>Get cash out for any purpose</li>\
			</ul>\
			</td>\
			<td>\
			<ul class="condensed">\
				<li>Higher interest rates compared to first mortgage</li>\
				<li>Harder to refinance your first mortgage</li>\
				<li>Interest is paid on the entire loan amount, compared to an equity line of credit </li>\
			</ul>\
			</td>\
		</tr>\
	</tbody>\
</table>');
document.write('<p><b>In addition to our standard loan programs, you may benefit by obtaining one of our many special programs:</b></p>\
<ul>\
	<li>Purchase your home with no down payment using Private Mortgage Insurance (PMI) or Lender-paid Mortgage Insurance (MI).</li>\
	<li>Piggyback loans: 80-10-10 or 80-15-5. Avoid PMI payments by using Lender-paid MI.</li>\
	<li>Debt consolidation programs.</li>\
	<li>Home Improvement loans.</li>\
	<li>You may qualify even if you have been turned down before!</li>\
</ul>');