Merrill Lynch Home Financing Solutions
can help you purchase the home you always envisioned
The right mortgage is one of the cornerstones of building and managing wealth. Your Merrill Lynch Financial Advisor will look at the “big picture” and review all the options to help you choose a mortgage solution that meets your immediate needs and fits your overall financial strategy. We offer customized mortgage solutions designed to help you pursue a wide variety of financial goals. Plus, you may qualify for preferred pricing based on the amount of assets you have with Merrill Lynch.

Increase Liquidity, Monthly Income and Tax Deductibility¹
Our PrimeFirst^® Adjustable-Rate Mortgage (ARM)² offers interest-only³ payments for the initial period and usually has a lower initial rate than a comparable Fixed-rate Mortgage. This means your monthly payments should be lower than with a Fixed-rate Mortgage during the initial period. The lower initial mortgage payments help increase your liquidity, allowing you to keep more of your monthly income. In addition, the payments may be tax-deductible.¹

Maintain Stable Mortgage Payments
If you’re looking to maintain consistent mortgage payments for all or a portion of the loan period, we offer a Fixed-rate Mortgage, which has the same payment for the entire loan period and allows you to choose the loan terms. You may also select Term Adjustable-rate Mortgage, with the security of a fixed rate and stable monthly payments for the initial period (3, 5, 7 or 10 years), followed by an adjustable rate for the remaining term.

Customize Your Rate and Payment by How Long You Plan to Live in Your Home
If you plan to live in your home for a limited time (10 years or less), you may benefit by choosing a Term Adjustable-rate Mortgage. This innovative mortgage allows you to lock in an initial stable rate for a period of 3, 5, 7 or 10 years, followed by an adjustable rate for the life of the loan term. This can give you predetermined stable payments until you sell the home and pay off your mortgage.

Pay Only the Interest on Your Loan For a Predetermined Amount of Time
You may be able to lower your initial payments by choosing an Interest-Only Mortgage. ³ As the name implies, you pay only the interest on the mortgage for a certain period, after which you begin paying the principal and your monthly payments will increase. If you choose to pay down principal, your interest-only payment readjusts based on the lower principal balances, so that you can use that savings for other needs.

Reduce or Eliminate Your Down Payment to Avoid Disrupting Your Investment Strategy
Consider our 100% home financing programs if you want to reduce your down payment substantially, or avoid making a down payment at all. Another option is our Flexible First Combination Mortgage and Home Equity Line of Credit. With Flexible First, you can potentially reduce your down payment and avoid paying mortgage insurance premiums.

Finance a Construction Property
Our Construction-to-Permanent Financing can save you time and money when you’re building a home or doing major renovations. It offers one construction loan that easily converts to permanent financing.

Home Financing Guidance for Corporate Employees
You can offer employees of your business or organization access to expert help and guidance throughout the home buying and selling process with our Corporate Home Financing Services. There’s no cost to you or your employees.