For homeowners

Interest-only loans

Coming soon

Lower payments now; the balance waits for later.

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Opens when the partner behind it is signed — what's live today.

For a stretch you pay interest alone and the balance doesn't move. Then it amortises over the years that remain, and the payment steps up. The illustration shows both halves.

Neutral order. Partners are shown without preference. No placement is for sale — how options are ordered.

Who decides

The licensed lender you choose. DuckWater is not a mortgage broker.

Interest-only builds no equity from payments, and the step-up when it ends is real — some versions balloon instead. Know the exit before you sign.