We're rolling out the red carpet for consumers entering the world of home buying or refinancing. While we renovate, you might like to check out opal auctions instead.

Buying a home begins with a dream. You envision a charming, comfortable haven that fits perfectly with your lifestyle. You want the security and confidence that comes from owning your own property.

We provides borrowers with current mortgage rates- unveils underwriting guidelines used by lender and brokers- removes the mystery from the qualification process, and shares the insider scoop on how to retire your new loan in a fraction of its life with minimal disruption to your budget.

Come on in. Make yourself at home. We are certain that you'll leave our site with confidence and control over the financing process relating to your home.

We are committed to making your home loan experience smooth, affordable, and crystal-clear. If you're shopping for your first home loan, you'll appreciate the basic, easy-to-understand information that you'll find on the Homeloans site. If you're an experienced shopper, or looking to refinance, we provide a wealth of details that will answer all your questions. Our streamlined web site saves you time on loan research and applications, and saves you money by reducing costs and fees. We want you to feel confident that your choices are based on top-quality data and a thorough understanding of the home loan process.

It h elps you speak the language of finance and mortgages, so you can fully comprehend the choices available to you. We supply you with the tools and resources you need to make this important financial decision. Use the MortgageChart feature on this site to find the lowest rates in your area. Use our handy calculators to translate these rates into a custom payment schedule that can cut your loan term in half, with minor disruption to your monthly budget.

For example, a 30-year fixed rate $100,000.00 loan at 7% per annum interest rate, payable at $665.00/month, can be repaid at $899.00/month, allowing you to have a free and clear home in 15 years, saving you over $42,120.00 in total payments!

Just add a note in the memo section of your check for your monthly mortgage payment -- instructing the loan servicing agent to "apply excess payment toward principal reduction". To calculate reduced loan terms with payments suited to your budget, use our handy mortgage payment calculators and take control your potential for an early retirement!