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Home Loans

Making the Right Choice is a Smart Choice

Your home will probably be the biggest investment you ever have. That is why it is extremely important to make the right choice when it comes to your home loan.

Finding the right mortgage option requires listening to your individual needs and matching your needs to an appropriate home loan, not a "one-size fits all" loan product. Looking at your particular situation makes a difference with finding lending products that are right for you and your lifestyle.

Our qualified mortgage counselors recognize the value of owning your own home and will take the time to help you keep your investment protected. Our employees will help you select a mortgage that will not only meet your budget needs; it will be done to your personal satisfaction.

First Mortgages
AurGroup offers a variety of mortgage options with fast, easy approvals and competitive rates. With options including 0% down and terms of up to 30 years, if you are in the market to refinance an existing mortgage or are looking to purchase a new home, AurGroup can help.

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Using your Home as a Financial Resource
Many times, people will use the equity in their home to finance home improvements, tuition fees, debt consolidation, a new car and/or emergency purchases. Depending on the purpose of the loan, you can choose either a home equity loan, or a home equity line of credit. Both of these carry a lower interest rate than credit cards and unsecured personal loans, and the interest may be tax deductible.

Fixed Rate Home Equity Loans
When you need to borrow money for a one-time use, consider a home equity loan (often times called a Second Mortgage). You receive a lump-sum of money with a home equity loan. The loan generally has a fixed interest rate, and you start making payments on the loan as soon as you receive it. Budgeting for a home equity loan is easy, since your rate and payments will remain the same each month. Once the loan has been paid, it is closed.

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Home Equity Line of Credit (HELOC)
A home equity line of credit is an amount of money that is extended to you - similar to the available balance on a credit card. The line has a variable interest rate, with an agreed upon limit. You only access as much as you need, and make payments on the amount used. With HELOCs you can use the funds, pay them down, and then use them again during the term of the line. At the end of the term, if there is anything outstanding, you can either pay it off or roll it into a loan.

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