Refinance: When your purchased your house, you may not have gotten the program you desired. Refinancing can offer you many benefits. With a rate and term refinance we may be able to lower your interest rate over 2%, saving you hundreds of dollars per month on your monthly payment. "This extra savings per month can be used to pay down the balance of your mortgage" saving you even more money. Cityside financial loan term reduction program will reduce your term from 30 to 15 years and save you thousands of dollars in interest.

 Debt Consolidation: Consolidating high interest debt can greatly reduce your total monthly outgo by hundreds, even thousands of dollars per month. To “Combining debt into one easy payment can free up extra cash and give you the financial freedom for which you have been looking.” “A Cityside consolidation loan may also provide many tax advantages; for example, the interest paid on a mortgage loan is often tax deductible.”

 Cash Out Refinancing: “Cityside will help you get cash out by refinancing for the things you’ve always wanted to do.” Home improvements, buying a car, business investments and college funds are a great way to take advantage of your equity.

 Purchasing A Home: Buying a home may be one the biggest purchases of your life.To “At Cityside, we want to make sure you have all the right information you need to make the right decision.” There our many different types of loans out there to decide from when purchasing a home. Loan terms generally range from 10 to 30 years with the most common being a 15 or 30 year. The most common types of loans are fixed or fixed/adjustable (arm). Our purchase programs range from little to no money down. Our 100% financing products are one some of the best in the country.

• A Fixed Rate Mortgage is a loan with an interest rate that remains the same for the entire term of the loan. Fixed rate loans are recommended if you are planning to keep your home for many years and you expect overall interest rates to increase or remain stable.

• An Adjustable Rate Mortgage (ARM) is a loan with an interest rate that adjusts periodically to reflect changes in a specified financial index. These loans generally have the lowest initial rate and payment. They are recommended if you plan to keep the loan for a short time (less than three years), expect your income to increase substantially, or expect rates to decrease. You may qualify for a larger loan amount with an ARM than you would with a fixed rate mortgage.

• Interest only Mortgages are products that you can enjoy a low monthly payment and have additional flexibility during the course of the month. This product can also be used to buy bigger houses while you enjoy the homes appreciation.