Home Loans

Food, clothing and shelter are the basic requirements of every individual's life. Although food and clothing require less investment, housing and shelter take the highest priority and require more money to be invested. Everybody desires to have a house of their own. After all, homeownership is the American Dream. The goal of homeownership can become reality with home loans. Talk to our Home Loans Specialist for more information on how you can achieve your dreams.

Home loan is money borrowed by the borrower from a lender to buy a new home or to refurbish an existing home. The lender may be a bank or a finance company.

You have various options to choose from when it comes to deciding for the type of home loan you wish to go for.
  • Home Purchase Loan: This is the basic form of a home loan. It is used to purchase a new house.
  • Home Improvement Loan: This type of home loan helps to improve and refurbish your existing home.
  • Home Construction Loan: The loan helps to construct a new home.
  • Home Extension Loan: The loan is acquired by borrowers to extend or expand their existing home.
  • Land Purchase Loan: This type of home loan helps to purchase land for construction.
  • Bridge Loan: The loan is designed for people who wish to sell their existing home in order to buy a new home.

Home loan: Making Both Ends Meet

Have you ever thought of buying a house? If you answered yes, now is the time to make your dream a reality. Getting a mortgage to purchase you dream home is not difficult, but there are some benefits you should be aware of. Connect with our home loan specialist to get complete information on the process of acquiring a home loan.

  • Some loans have what is called a re-draw option. This feature allows the borrower to make extra payments on their home loan and then access the extra money in a time of need.
  • In the case of a home loan, if you make more than the required mortgage payment amount, the amount of interest you pay over time is greatly reduced.
  • Home loans are usually accompanied by certain fees. Be sure you are aware of all of the fees required for your loan.
  • For home loans, the repayment period generally ranges from 15 years to 30 years.
  • In regards to the maximum loan amount under home loans, housing finance institutions generally finance 75 percent to 85 percent of the loan amount.

Home loan: Dreams meet Reality

  • The process of acquiring a home loan is a quick, fast and easy process
  • With a home loan, you have the opportunity to structure your loan program in such a way that you pay according to your financial condition.
  • It is not necessary to make a large down payment to obtain your home loans.
  • There are also many tax benefits to homeownership. Your home loan, will come with many tax benefits that will help reduce your income taxes. Consult your income tax professional for details.
Your dream of homeownership can become a reality. Just fill out our short Home Loans form to get started and we'll match you with top lenders in your area that will help you make your dreams come true.

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