Interest Only 5 Year Balloon This Loan is available to sophisticated borrowers who view their home mortgage as a part of their overall financial strategy. The program features extremely low rates coupled with a interest-only payments. The lower monthly payment frees cash for the borrower to use as an investment tool. The program is fixed for 5 years, with a balloon payment or refinance at that point and is available for 95% of the home value. Please feel free to phone or e-mail a Plainsmen loan officer for details.