Thoroughly understanding different mortgage options and products does more than just add value to
your service as a realtor – it helps your clients start their home-building or buying adventure on the right
foot. Often times, knowing your client’s biggest concern is what will guide you to the best-fit mortgage –
which is why we’ve assembled a list of common concerns and the mortgage product we offer that
addresses them below.

My client is most concerned about minimizing the size of their closing costs.
Initial down payments and closing costs are the largest obstacle for many homebuyers – which is why
several mortgages offer flexible payment plans or other perks. An option like the Power Mortgage at
Security Service, which covers up to $5,000 of closing costs 1 , is often exactly what a client needs to
minimize closing costs.

My client expects to downsize, upsize, or relocate in a few years.
A 15/15 Adjustable Rate Mortgage (ARM) 2 is a strong option for buyers who aren’t planning to stay in a
home long-term. The rate is fixed for the first fifteen years, adjusts one time, then remains fixed at the
adjusted rate for the remaining loan term. The 15/15 ARM usually provides a lower monthly payment.

My client is worried about affording the size home they want.
For many, the best option is to find a mortgage with the lowest possible monthly payment. The Power
Rate at Security Service gets clients the best available rate, helping them to increase their home-buying
power – and save on interest in the long-run.

My client wants to build, but is worried about paying higher rates once the home is complete.
With rates hitting historic lows, now is a phenomenal time for your clients to build their dream home. A
One-Time Close Construction Loan from Security Service allows your clients to lock in a low rate now.
Their construction loan automatically converts to a permanent mortgage once the build is
complete—saving them money by locking in a great low rate. Plus, with only one close they save a ton in
additional charges and fees.

Whatever your clients’ concerns may be, there’s a mortgage at Security Service that will do more than
help – it will make their home loan feel like home.

LEGAL:
This is a sponsored article from Security Service Credit Union.
1 Power Mortgage offer to save up to $5,000 on select closing costs does not cover mortgage
insurance, seller paid closing costs, discount points, or pre-paids and reserves. The program is not
valid for FHA or VA loans. Closing costs may vary based on transaction. If loan is closed or paid off
within first 36 months of the term, member may be required to reimburse all or some of the closing
costs incurred. This offer is subject to change without notice.

2 15/15 ARM: Based on a $135,000 loan amount with a 80% LTV and FICO >=740, the interest rate
would be 2.875% with a 2.952% APR and estimate monthly payments of $560.10 for the initial
period of 180 payments. Rate and payment may increase after consummation and varies based on
index and margin. After the initial period, the rate will adjust and remain fixed for duration of the
loan term. Based on a current index and margin the interest rate would increase to 3.00% and
estimated monthly payment of $565.02 for the remaining 180 months. Index used as of
01/20/2021. Payment examples do not include taxes and insurance premiums; actual payment may
be greater.