With rising interest rates, combo loans get risky-- payments can increase as rates rise, with no end in sight until the loan is paid off.

Mortgage Protection with More

HomeOpeners offers low fixed monthly costs without the extra fees or paperwork of combo loans. You get the protection your lender requires, with an added benefit for you--the security of payment protection in the event of involuntary unemployment.

HomeOpeners® PaymentPlus¹ offers:

• lower down payments
• low monthly payments
• no monthly Mortgage Insurance payment
• lower up-front costs
• potential tax deductibility²
• unemployment mortgage payment protection at no extra cost

HomeOpeners MonthlyPlus offers similar benefits with a monthly Mortgage Insurance payment that is included in the loan and additional AD&D mortgage protection at no extra cost.

Ask your lender about the advantages of HomeOpeners for you.

¹Involuntary unemployment insurance is underwritten by certain underwriters at Lloyd's. The coverage is subject to conditions and exclusions not included in this summary.
²Consult your tax advisor for advice on tax deductions.