Managing What You Owe Is As Important As Managing What You Own^®

	That's Why We Believe People Like You Choose Us At Merrill Lynch Home LoansTM, we look at your total financial picture and provide tailored financing solutions that can help you meet your goals, and align with your existing financial strategies. With our broad suite of innovative solutions—including interest-only mortgage payments, competitive home equity lines of credit and 100% financing without private mortgage insurance—our team is well-equipped to help you select the mortgage that best meets your individual needs.1
	Loan Closing Guarantee We guarantee to meet your closing date or we will credit you up to $1,000 at closing. With the Closing Guarantee from Merrill Lynch Home LoansTM, you can receive a monetary credit if the closing date for the purchase of your new home is not met. Receive $500 at closing for loans up to $1 million or $1,000 for loans greater than $1 million if we miss the agreed upon closing date. For refinances, we will apply the credit if your loan does not close within 90 days. Please note, all guarantees are subject to your ability (as the applicant) to satisfy closing conditions either by the agreed upon closing date or within the applicable 90-day period.
	More Reasons to Choose Merrill Lynch We also offer additional services to ease the end-to-end home financing process including rate lock and rate protection, application by phone and online service from this Web site. Visit the Resource Center for more details.

¹When deciding whether an adjustable-rate mortgage is right for your situation, you should consider the potential risk of rising rates and payments and such factors as how long you plan to own your home.

“Interest-only” mortgages allow you to pay only the interest on the money you borrow for a certain number of years. If you only pay the amount of interest that’s due, once the interest-only period ends, you will still owe the original amount you borrowed and your monthly payment will increase—even if interest rates stay the same—because you must pay back the principal as well as interest. You should ask what the payments on your loan will be after the end of the interest only period. If you are considering an adjustable-rate mortgage, ask about what your payments can be if interest rates increase.