Your Dream Home. Our Mortgage Solution.

A mortgage loan is more than just financing – it's your key to homeownership. By using your property as collateral, you can secure substantial funding for purchasing, building, or refinancing a home. Unlike other loans, mortgages come with longer repayment periods and favorable terms, making homeownership achievable through manageable monthly payments."

Types of Mortgage Loans

By Property Type:

• Residential Mortgage:

  • Single-family homes

  • Apartments/Condominiums

  • Townhouses

  • Vacation homes

• Commercial Mortgage:

  • Office buildings

  • Retail spaces

  • Multi-family properties (5+ units)

  • Industrial properties

• Mixed-Use Mortgage:

  • Residential + commercial combinations

By Loan Structure:

1. Fixed-Rate Mortgage (FRM)

• Best For: Long-term homeowners, budget stability seekers

• Term: 15, 20, 25, or 30 years

• Rate: Locked for entire term

• Features: Predictable payments, easier budgeting

• Popular Choice: 30-year fixed (most common)

2. Adjustable-Rate Mortgage (ARM)

• Best For: Short-term owners, expecting rate drops

• Initial Fixed Period: 3, 5, 7, or 10 years

• Adjustment Period: Annual thereafter

• Rate Cap: Prevents excessive increases

• Features: Lower initial rates, rate caps protect

3. Interest-Only Mortgage

• Best For: Investors, variable income professionals

• After IO Period: Convert to amortizing loan

• Features: Lower initial payments

• Considerations: No principal reduction initially

4. Balloon Mortgage

• Best For: Short-term ownership plans

• Payments: Based on 30-year amortization

• Balloon Payment: Large final payment

• Features: Lower rates, flexible exit options

5. Reverse Mortgage

• For: Seniors 62+ (U.S.), 60+ (India)

• Feature: Converts home equity to income

• Repayment: When home sold or borrower moves

• Benefits: Supplement retirement income

• Regulation: Special safeguards for seniors

Mortgage Eligibility & Requirements

Basic Eligibility:

• Age: 21-70 years (at loan maturity)

• Income: Stable, verifiable income

• Employment: 2+ years consistent employment

• Credit Score: Minimum 650, preferred 750+

• Property: Eligible, marketable property

Income Requirements:

• Salaried Employees:

  • Last 3 months payslips

  • 2 years Form 16/ITR

  • Employment verification letter

• Self-Employed:

  • 2-3 years audited financials

  • Business registration proof

  • Bank statements (12-24 months)

• Additional Income Sources:

  • Rental income

  • Investments

  • Commission/bonuses

  • Retirement income

Property Requirements:

• Appraisal: Professional valuation required

• Title Search: Clear title with no disputes

• Insurance: Homeowners insurance mandatory

• Occupancy: Primary residence vs investment

• Condition: Must meet minimum property standards.

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