A mortgage home loan is a secured loan used to purchase real estate, where the property itself serves as collateral. Homebuyers borrow funds from a lender and repay the loan over time with interest, typically through monthly payments. These loans can be used to buy a home, refinance an existing mortgage, or access equity through a home equity loan.
Mortgage terms vary based on loan type, interest rates, down payment, and borrower creditworthiness. Choosing the right mortgage helps make homeownership affordable and manageable.
With every mortgage payment, homeowners increase their equity—the portion of the home they truly own—helping to grow personal wealth over the long term.
Fixed-rate mortgage options allow borrowers to lock in a consistent monthly payment, making budgeting easier and protecting against interest rate hikes.
Homeowners can refinance their existing mortgage to take advantage of lower interest rates, reduce monthly payments, or access home equity.
Mortgage interest and property taxes may be tax-deductible, providing potential savings during tax season and lowering the overall cost of borrowing.
A mortgage makes it possible for individuals and families to purchase a home without needing the full purchase price upfront, turning renters into homeowners.
From conventional loans to FHA, VA, or USDA-backed mortgages, borrowers can find a loan that fits their needs, credit profile, and down payment ability.
Helping everyday people achieve homeownership with smart, affordable loan solutions backed by experience, care, and top-tier lenders.
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