FIND YOUR PERFECT LOAN

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HOW MUCH MONEY CAN YOU BORROW?

Use our mortgage calculator to estimate your monthly mortgage payment. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.

HOW MUCH MONEY CAN YOU BORROW?

Use our mortgage calculator to estimate your monthly mortgage payment. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.

STOP RENTING AND BUY A HOME

You have the freedom to choose your loan amount and fixed or flexible rates. Learn more about our options to get cash out of your home. You’ll enjoy competitive rates and an easy application process,

STOP RENTING AND BUY A HOME

You have the freedom to choose your loan amount and fixed or flexible rates. Learn more about our options to get cash out of your home. You’ll enjoy competitive rates and an easy application process,

FIND THE LOAN TYPE FOR YOU

Everyone circumstance is different and we get that. We have partnered with the top experts and lenders to help you get your dream home hassle free and faster then your competition.

FIND THE LOAN TYPE FOR YOU

Everyone circumstance is different and we get that. We have partnered with the top experts and lenders to help you get your dream home hassle free and faster then your competition.

YOUR DREAM HOME IN JUST A FEW CLICKS

Getting pre-qualified for your new home has never been easier. Explore the different loan options below and connect with over a hundred different industry lenders to lock in the lowest rates possible.

HARP Replacement Programs

These programs, Fannie Mae’s High LTV Refinance Option and Freddie Mac’s Enhanced Relief Refinance, are essentially an extension of HARP but with different names and slightly different requirements. They offer benefits including reduced monthly payments, lower interest rates, shorter loan terms and the ability to convert an adjustable rate to a fixed-rate mortgage.
The Good
The Challenges

FHA Loan Rates

FHA loans come in 15- or 30-year fixed rate terms for qualified applicants.
Term
30-year fixed
15-year fixed
Rate
2.759%
2.890%
APR
3.108%
3.336%

FHA Loan

An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
The Good
The Challenges

FHA Loan Rates

FHA loans come in 15- or 30-year fixed rate terms for qualified applicants.
Term
30-year fixed
15-year fixed
Rate
3.750%
3.750%
APR
4.808%
4.822%

VA Loan

The VA Loan is a home-mortgage option available to United States Veterans, Service Members and not remarried spouses. VA Loans are issued by qualified lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).
The Good
The Challenges

VA Loan Rates

A VA loan interest rate is influenced by a variety of factors.
Term
30-year fixed
15-year fixed
Rate
3.250%
2.990%
APR
3.498%
3.438%

Conventional Loan

Rates for 30-year fixed conventional loans have remained below 4.5% for some time, and rates are not expected to rise above that level in the near future. Still, the lowest rates are available to those who are ready to lock in when rates drop.
The Good
The Challenges

Conventional Rates

Many borrowers are surprised to learn that you can qualify for a conventional loan with as little as 3% down.
Term
30-year fixed
20-year fixed

15-year fixed

Rate
3.499%
3.750%
3.999%
APR
3.712%
3.917%
4.137%

USDA Loan

A USDA loan is a mortgage that offers considerable benefits for those wishing to purchase a home in an eligible rural area. USDA home loans are issued through private lenders and are guaranteed by the United States Department of Agriculture (USDA).
The Good
The Challenges

USDA Rates

Under the USDA Rural Development direct home loan program, the interest rate averages 4.25%.
Term
30-year fixed
20-year fixed
15-year fixed
Rate
4.125%
4.250%
4.375%
APR
4.488%
4.560%
4.699%

Streamline Refinancing

All you have to do is show that you’ve made at least six payments on your current loan; that your loan has been paid on-time for the last 90 days; and, that there’s an actual benefit in your refinance, and you can expect to be approved.
The Good
The Challenges

Streamline Rates

An FHA Streamline is a refinance option for homeowners with existing FHA mortgages.
Term
30-year fixed
15-year fixed
Rate
3.375%
3.375%
APR
4.796%
4.619%

Refinance Cash Out

One way forward is to consolidate all those expensive loans through a cash-out refinance. You’ll be free of all those payments on credit cards, personal loans and perhaps even auto loans. You can then use all that extra money to pay down your mortgage faster.
The Good
The Challenges

Cash Out Rates

A cash-out refinance can make sense if you can get a good interest rate on the new loan and have a sound use for the money.
Term
Conventional
30-year fixed
15-year fixed
Rate
3.999%
3.250%
3.375%
APR
4.192%
3.783%
4.415%

Home Equity Line of Credit(HELOC)

A home equity line of credit, also known as a HELOC, is a line of credit secured by your home that gives you a revolving credit line to use for large expenses or to consolidate higher-interest rate debt on other loans 1 such as credit cards.
The Good
The Challenges

Heloc Rates

A cash-out refinance can make sense if you can get a good interest rate on the new loan and have a sound use for the money.
Term
HELOC
Rate
3.499%
APR
5.565%

Reverse Mortgage

Reverse mortgage is a special type of home loan only for homeowners who are 62 and older. A reverse mortgage loan allows homeowners to borrow money using their home as security for the loan, just like a traditional mortgage. … Interest and fees are added to the loan balance each month and the balance grows.
The Good
The Challenges

Reverse Rates

Reverse Mortgages can do a lot of good when taken by the right people for the right reasons.
Term
Reverse Mortgage
Rate
3.88%
APR
4.58%

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What People Think About Us

testi-1
“I approached reloanmyhome.com to apply for a home loan and taken the loan on 2021. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs. The rate of interest was average around 8%, there is pre closure option and locking period of 1 year. EMI need to pay of 35K.”
Kaira Sairus
VA Loan
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“I hold my USDA loan with reloanmyhome.com from long time, the loan amount which they have given to me was sufficient, the rate of interest they have charged me was nominal, so far i did not face any issue from them , still this loan is running.”
Emma Stoun
USDA Loan
testi-3
“I have taken home loan directly through reloanmyhome.com.The rate of interest was nominal and this loan is still active .Everything was good to me when availed this loan .The loan process was clearly shared by the agent .I am really satisfied with the service . Without any hassles got this loan.”
Peter Parker
FHA Loan