Optional Features

Optional Features

More Reasons to Choose Merrill Lynch Home LoansTM 

When you work with us, you’ll rest assured knowing we value you as a client and will take every opportunity to show our appreciation with prompt, responsive service throughout the financing process.

In addition to our full suite of home financing products, we also offer additional services to provide you with the customization you want and need to fit your individual financial goals. Explore our Optional Features and visit the Resource Center for more details.


Reduce or Eliminate Your Down Payment to Avoid Disrupting Your Investment Strategy

Convenient Payment Options 

Pay Only the Interest on Your Loan For a Predetermined Amount of Time

  • Interest-only financing offers you the flexibility to conrol your cash flow by reducing your initial monthly mortgage payments1 
  •  Redirecting money that would have gone toward paying principal on your mortgage may complement your overall financial strategy and potentially help you grow your wealth.

Protecting and Locking your Rate

  • You may want to consider protecting or locking your rate. If you prefer securing an interest rate, you can choose to rate lock for a specified lock period. If you prefer knowing your rate won’t exceed a guaranteed maximum interest rate, even if mortgage rates rise before you close your mortgage, you can choose rate protection for a specified lock period. 
Selling and/or Buying a Residence
  • Provided by Cartus, the Realty Advisory Services program is a complimentary real estate assistance program for Merrill Lynch Home LoansTM clients, which may help you save time and money when buying or selling a home.
  • By providing guidance and advice at every step, a personal Real Estate Specialist facilitates the entire home buying and/or selling process to help ensure the best possible homeowner experience. 

1“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 what your payments can be if interest rates increase.

Preferred Pricing 


Dream Home


Resource Center


For more information, call your Financial Advisor or click here.