Applying for a home loan

Posted on Thursday, April 24th 2008 3:24 am by menj in Offbeat

It is known that these days one is unable to buy a house without applying for a home loan to finance the purchase. The reasons are many but the main reason would probably be because of the higher standards of living these days. However, getting the right home loan for your requirements may not be as easy as it may seem. Many first-time home buyers are unaware of the different options available for them and they often think that a down payment is always required or a bad credit credit makes it impossible to obtain one. However, now you can check out the best home loans available by visiting the Get Smart website. Getting expert advice from this online loans resource will certainly help you a lot. With the affordable price that comes with the quality loan amount at affordable interest rate, you can manage your finances in smart way and maximise the benefits.



    Here are 70 Responses.

    • stephen m says:

      October 22nd, 2012 at 5:09 pm

      I am technically now a senior (just finished my jr year) and was interested in applying for some, and wanted to get a really good head start before everyone else so I don’t have to write those lame required essays during school days, but I was wondering if it’s too early to apply for a scholarship looking for applicants who “are applying or will be applying to an accredited institution.” Is it too early to apply?

      Secondly, I was wondering around what time of the year most students fill out their college applications, as well. Is it too early to fill out the Common Application, even if I don’t send it in yet?


    • Phillip123 says:

      October 23rd, 2012 at 8:28 am

      I’m planning to warm up water for a minute in the microwave, then the tube in there then apply it to my hair then wash.

      Do I need to wet my hair before I apply the treatment? It says to leave it on for at least a minute, can I leave it on for longer?

    • Balla says:

      October 23rd, 2012 at 2:04 pm

      My boyfriend and I are applying for a home loan. The loan officer wants to use both of our credit and financial info for the application. I have both the better credit and longer employment history, but need my boyfriend’s additional income to qualify for the amount we need to purchase a home. Will his less than established credit hurt us, or will it not matter?

    • diggn4richez says:

      October 25th, 2012 at 5:09 pm

      I bought a revlon mousse foundatin this morning, but i forgot to ask the saleslady if it is okay to apply concealer and powder after applying the foundation. So help me please!

    • MexicanDude says:

      October 30th, 2012 at 1:38 pm

      So im currently using this serum for my face. So should i moisturize after i apply it on or not. If so how long should i wait to apply the moisturizer on or do i just apply the moisturizer straight after i apply the serum. Is it safe to do this? Will the moisturizer mix with the serum and make it worse? Im planning on using Cetaphil moisturizer because thats the only one that i have used before

    • Only Business says:

      October 31st, 2012 at 12:56 pm

      I have applied for a Home Loan at HDFC Bank in Mumbai. Comparing my monthly compensations and the Loan amount, I would have no problems in repaying the same. Is it a mandate that if I apply for a Home Loan at HDFC Bank (not HDFC Ltd.), then i must take a Home Loan Protection Insurance Cover from HDFC?

    • jdubdoubleu7704 says:

      November 10th, 2012 at 8:59 pm

      When applying for a home loan in Wisconsin, is it state law that you and your spouse be on the home loan application. OR can you just apply using just you or your spouse?

    • Kaylla says:

      November 12th, 2012 at 11:40 am

      i have a joint checking account with my partner. i’m applying for a home loan .can i use the joint checking account to show added income if they are not going on the loan?

    • Michael K says:

      November 12th, 2012 at 11:40 am

      For example i heard that the “proper” way is to apply the base, crease, contour and highlight?
      Tell me if i am forgeting anything and how to apply them and what they mean! thanks.

    • llb443 says:

      November 15th, 2012 at 6:24 am

      We are going to apply for a home equity loan so we can put a pool in.Should we apply with our current mortgage company or someone new. Does it matter?

    • Andres C says:

      November 15th, 2012 at 7:34 pm

      I just got a job, like days ago and want to apply for a home loan? Is that looked at by the mortgage company, or does it not matter?

    • Matthew David says:

      November 18th, 2012 at 7:38 am

      My main objective is to invest in some land. So, i want to purchase a land of 2000000 rs. and construct a sigle room home of around 500000. If i apply for home loan, how the bank will give me the loan amount, it will be given at a time or in partition? whether there is any fixed ratio between the loan amount of purchasing land and constructing home?
      I already has one land of rs. 1000000 which i can keep as mortgage.

    • sarah w says:

      November 18th, 2012 at 4:31 pm

      I know that everytime your credit report is pulled it affects you, but can it hurt me if at least three quotes. I am trying to apply for a home loan, and very unclear about a lot of things.

    • D3ZZY says:

      November 19th, 2012 at 5:29 pm

      I’m thinking about applying for a home equity loan or line of credit for my home but am discouraged by my below average credit score. To refinance, any and all applicants must also be on the title document, so would the same rules apply on a home equity loan or line of credit?

    • sam N says:

      November 19th, 2012 at 6:13 pm

      I am hopeing to apply for a home loan in 12 months and am not sure if I will qualify. Is it possible?
      The thing is I have paid off all my debts so I have no debt and am hoping that in 12 months if it stays that way my score will raise and I will save 20% down. Do you think that will help me?

    • lets roll says:

      November 23rd, 2012 at 6:32 am

      I have 30k in credit card debt. I was wondering if I could consolidate that into a mortgage. I have never applied for a home loan before. Have people done this in the past?

    • Armas says:

      November 24th, 2012 at 12:46 pm

      I just applied for a home loan I handed in all the required paper what are the next steps?

    • Stevalicious says:

      November 27th, 2012 at 1:01 pm

      Hi Experts,

      Iam planning to apply for home loan. With the 7.8 CTC how much home loan I can expect and what will be the EMI and how I need to decide about the home loan period. Say I can pay an EMI of 15K-20K PM.

      Thanks in Advance

    • Keaton says:

      November 28th, 2012 at 10:07 pm

      My home loan broker informed me that my home loan approved by the bank and will send the loan agreement to me but without letting know the loan product and all fees, I am not happy about it. Can I find another Broker to reapply my home loan with the same bank?

    • Christopher J says:

      November 30th, 2012 at 3:13 am

      Should I: a) open an account at a credit union and apply for a home loan, b) apply for a home loan through my bank, or c) go to one of those “everybody approved” loan places? How do I shop around for the best loan for me?

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