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Home Loans

For most people, a home is often the biggest purchase they’ll make in their lifetime. The actual cost of a home is more than just the sale price. Besides a home’s down payment, home buyers also need to pay closing costs, property taxes, and insurance. Extra costs that borrowers may also have to pay outside of the loan include HOA fees, home maintenance, and mortgage insurance.

Every type of home loan has its pros and cons. There are many different kinds of mortgages, and the right one will vary from borrower to borrower, depending on their needs. Borrowers may encounter fixed-rate mortgages, adjustable-rate mortgages, FHA mortgages, VA mortgages, and USDA mortgages. It’s popular for mortgage terms to be 15 or 30 years.


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