| Goals | 30-Yr Fixed | 15-Yr Fixed | 5/1 ARM | 3/1 ARM | Power Option ARM | Interest-Only | 5-Yr Balloon | 7-Yr Balloon |
| I look for monthly cash flow savings to invest or to reduce high cost credit obligations | | | | | X | X | | |
| I want to have more flexibility in managing my mortgage interest payments to maximize their tax advantages. | | | | | X | X | | |
| I would like to take advantage of the lower initial interest rates and payments associated with monthly adjustable-rate mortgages and am comfortable with more frequent payment fluctuations due to changing interest rates | | | | | X | X | | |
| I want a stable monthly payment | X | X | X | X | | | X | X |
| I want to buy as much house as I can | | | X | X | X | X | | |
| I plan to own my house in 5 years | | | X | X | X | X | X | X |
| I believe interest rates are likely to fall | | | X | X | X | X | | |
| I believe interest rates are likely to rise | X | X | | | | | | |
| I need flexible monthly payments | | | | | X | | | |
| I want to avoid negative amortization | X | X | X | X | | X | X | X |
| I want the lowest possible payments | | | | | X | | | |
| I plan to refinance within 5 years | | | X | X | X | X | X | X |
| I want more control over my monthly cash flow | | | | | X | X | | |
| I have unsteady income - I need flexible payment options | | | | | X | X | | |
| I want to pay off my home as soon as possible but I want a stable monthly payment to do so. | | X | | | | | | |
| I would like to purchase a larger house without increasing my monthly mortgage expense. | | | | | X | X | | |
