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Mortgage loans are a type of loan meant to finance the purchase of a home, with a specified repayment period and interest rates. The home on which it is taken out often serves as the collateral, with interest and other costs running typically over 15 to 30 years. The lender may be a bank, financial company or private agency and they use the legal documents of the house in question to determine the interest rate.

There are various places to use as starting point when sourcing for this type of loan such as: [http://www.xn--prettauxzero-19a.com pret a taux zero] There are lenders websites with this type of loans as their specialty, and you may also walk into a financial house that deals with mortgages and get needed information. You will be provided with information like the rate of interest charged which will enable an individual to compare with other lenders.

A form may be issued for the applicant to fill out. It may contain information like the purpose of the loan, estimate of home value, credit history, current monthly income, borrower contact details and the amount needed. This also prepares the applicants mind on what to expect.

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