GMAC Residential Funding Corp. is looking to tap into borrowers who want to exert more control over their cash flow by rolling out a new Payment Loan Option Program that provides four different ways for a prime borrower to make monthly payments on adjustable-rate mortgages. The program allows qualified borrowers to either submit a minimum monthly payment, an interest-only payment, a 30-year fully-amortizing payment or 15-year fully-amortizing payment. Although RFC has not offered option ARMs