HOME LOANS are available in a variety of forms depending upon terms of 15 years  to 45 years at fixed or variable interest rates. It is important to know the basics before you get the right home loan.

First of all figure out how much mortgage you can afford. Generally, a lender will analyze your monthly income, your debts and credit history to figure out how much mortgage payment you can afford.

Your Mortgage Payment consists of :

1) Principal :The payment of original amount borrowed from Lender.

2)  Interest : The payment of amount of interest on the principal amount.

3)  Insurance :  The amount of premium on home mortgage insurance to protect the mortgage lender.

4) Taxes : The amount of Real Estate taxes payable to the govt.

Types of Mortgage :

Fixed: A fixed term (for example, 15 or 30 years) as well as a fixed interest rate. The interest rate and term are fixed at the start of the mortgage.

Adjustable: Often referred to as an ARM (Adjustable Rate Mortgage). The interest rate on the mortgage can be adjusted up or down according to current interest rate levels.
 

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