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Mortgage Loan

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What is a mor t gage loan?

A mortgage loan is type of a loan that financial institutions offer to prospective

buyers to enable them to acquire a property, be it a house, flat or commercial space. A mortgage loan is

approved and disbursed against mortgaging the property bought. Usually all the mortgages are

registered and made legally binding. Generally, the mortgage loans attract lesser interest rates

compared to commercial lending.

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Types of mor t gage loans

There are many types of mortgage loans available now, among those Fixed Interest Rate and Variable Interest Rate mortgage

loans are the most popular.

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Fixed r at e int er est & Var iable r at e int er est mor t gage loan

Fixed rate interest mortgage loan deals in fixed interest rate. The interest will remain fixed throughout

the loan tenure.

Variable interest mortgage loan deals in variable interest rate. The rates will be adjusted according to the financial performance of the economy and

other local factors.

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I mpor t ant aspect s about mor t gage loans

All mortgage loans require the buyer to bear at least 15% of the total cost as down payment.

All mortgage loans will have monthly payments in the form of EMIs.

While taking a mortgage the borrower should pay serious attention and discrepancies if any should be brought to the notice of the lender

immediately

Mortgage loans have to be tread with caution as borrower tends to jump to a higher loan than he can really afford sometimes.

Before going for a mortgage loan, it is better to look for credit rating and pre-approval while inspecting for a property.

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Benef it s of t aking a mor t gage loan

A mortgage loan in good standing on your credit report improves your credit score.

Income tax deductions are available if you have a mortgage, and they reduce your tax liability.

Mortgage amount does not change, even if your house loses value.

A mortgage that is not used to purchase a home, such as a home equity loan, gives you access to funds when you need the money.

A mortgage allows you to purchase a home without having to pay the full price in cash.

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Distressed Mortgage Solutions Inc.

Distressed Mortgage Solutions has been offering trustworthy assistance to families and individuals who may be facing

foreclosure, financial difficulty and declining home values. Distressed Mortgage Solutions helps families avoid foreclosure by achieving affordable mortgage payments for homeowners at

this difficult economic time. Distressed Mortgage Solutions have decades of experience helping families avoid foreclosure by giving them the financial and legal leverage to dispute their

loans.

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Dar r ell Rigley

Darrell Rigley is a thriving entrepreneur with a reputation of building large sales teams in the insurance and financial services business. He

has over 20 years of experience in this area. He is the founder of Distressed Mortgage Solutions Inc. He is also a commercial real estate

investor and published author. Darrell Rigley is highly suggested by clients and sales representatives, as a trusted source , problem solver

and a visionary in marketing new products and services in the real estate industry.

He is currently the President of TriMark Financial Solutions.

 www.darrellrigley.com