Citizens Home Loan, a national mortgage lender based in Charlotte, N.C., has announced the introduction of the Five Year Fixed Wealth Builder Option ARM.The adjustable-rate mortgage gives customers a fixed interest rate for five years and four fixed payment options every month, freeing up cash flow for investments, paying off credit card debt, or emergencies, the company said. Customers can choose from a 15-year payment, a 30-year payment, an interest-only payment, and a minimum payment (which is less than an IO payment). Citizens Home can be found on the Web at http://www.citizenshomeloan.com.

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