Start with lower monthly payments that rise gradually as your income grows. CLG helps you align your mortgage with your financial future.
We believe early affordability should never mean long-term compromise.
Graduated payment mortgage loans (GPM) are designed for borrowers who expect their income to increase over time. Payments start low and increase at scheduled intervals—usually annually—for a fixed number of years, after which they level off.
This structure can be helpful for first-time buyers, recent graduates, or those in a career with rising income potential.
Lower initial monthly payments
Predictable scheduled increases
Designed to match expected income growth
Fixed interest rate throughout the loan
Not everyone needs a traditional fixed-rate structure. If your income is expected to grow steadily—due to career progression, business growth, or education payoff—a GPM could offer flexibility when it matters most.
Best Fit Scenarios:
Young professionals starting in medicine, tech, law, or finance
Recent grads entering high-earning career tracks
Self-employed borrowers with ramping income
Buyers prioritizing lower early payments to invest elsewhere
We believe a graduated payment mortgage loan should be part of a bigger plan.
A GPM isn’t right for everyone, but when used strategically, it can be a powerful financial tool. We’ll help you understand how to make the most of it.
| Pros | Cons |
| Lower initial payment burden | Payments increase on a set schedule |
| Matches income growth over time | Not ideal for static or uncertain income |
| Helps buyers qualify for a loan sooner | May build equity slower in early years |
Understand exactly how and when your payments will increase.
Choose a loan term that matches your income growth horizon.
Use early payment flexibility to pay off higher-interest debt.
Don’t overextend—make sure you can afford future payments.
Work with a CLG advisor to model long-term affordability.
Whether you’re just starting out or stepping into a higher-income role, we’ll help you navigate the best options for your journey starting with the right graduated payment mortgage loan.
