Interest Only Mortgage

We’ve Got the Interest-only Mortgage Loan You Need!

Interest Only mortgages are Ideal for self-employed individuals, investors, 0r anyone who wants to keep more cash on-hand.

Fill out the short form today, a Loan Advisor will get back to you quickly!

Or call us to get started immediately (800) 462-6470

**As of 12/3/2021, this product is based on a rate and term refinance loan with 70% loan to value ratio, a 740 credit score, paying 1.25% discount points, on an owner-occupied principal residence, an interest rate of 3.77% and APR of 3.87% for a 40-year loan with an interest only period for the first ten years and fully amortized payments for the remaining 30 years of the 40-year term. Your loan terms and interest rate may be different depending on your credit score, your loan to value ratio, how many discount points you pay, when you lock in your interest rate, the property’s occupancy type, and other factors.

Sprout Mortgage specializes in mortgage loans for investment properties, including mixed use, vacation rental, multifamily, and condotel properties.

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Looking to purchase a home for your family... Or refinance your current mortgage? Ready to purchase an investment property? You’ve come to the right place!


Ideal for self-employed individuals, investors, and anyone who wants to keep more cash on-hand, our interest-only mortgage options let you pay just the interest part of the loan today — so you can have more money available for your other financial needs.


Our interest-only loans are flexible too, so you can make payments toward the principal amount when you have extra cash.



Benefits of an interest-only loan:

Provides more buying power, thanks to the lower monthly payment.
Gives you more control over your finances (choose to either pay the interest-only payment or pay extra toward principal).
 Great for self-employed individuals who may run into seasonal cash flow challenges with their business.
Great for investors who want to minimize their monthly obligation and keep their cash-flow higher.


All Sprout interest-only loans come with a 40-year** term and remain interest-only for the first 10 years, before converting to a fully-amortizing loan.


Purchasing a home or adding an investment property to your portfolio is easy and convenient with an interest-only loan from Sprout Mortgage.



Sprout Mortgage is one of the country’s leading lenders specializing in interest-only mortgage solutions. We provide highly personalized service to our customers — from choosing the right financing solution to answering your questions throughout the entire loan application process.


Let's Get Started

Call us (800) 462-6470

or fill out the form below

Sprout Mortgage is a nationwide direct lender and we’ve been helping homeowners reach their goals for nearly a decade.

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Also Available

Whether you’re a small business owner, yoga instructor, seasonal employee, freelancer/contract employee, or investor, Sprout can help you get a mortgage!

Asset Depletion Loans

Investor Debt Service Coverage

Ideal for individuals with substantial liquid capital (more assets than income), the Asset Depletion program permits borrowers to qualify based on their assets up to 50% DTI.
Designed for those whose income is derived from property rentals. Use the cash flow from your rental property to qualify.

Here’s How We Can Assist You in Buying a Home

Other loan features include:

Home financing has never been easier!




Call (800) 462-6470 to talk to one of our knowledgeable Loan Advisors to find out how much you can borrow and how easy it is to apply!


** Self-amortizing loans are for 30 years terms, except 15 year fixed which is for a 15-year term. Interest only loans are for 40-year terms (after the 10-year Interest Only period the loan must amortize over the remaining 30 years). Interest only not available in Illinois

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This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.