Home Loan
Whether you are a first-time homebuyer, upgrading to your dream home, or planning to reduce your Housing Loan EMI by shifting, EarlyGrow helps you get the best deal to suit your needs.
We believe homeownership should be accessible and stress-free. With competitive interest rates, flexible terms, and a hassle-free process, securing your ideal home loan has never been easier.
Types of Home Loans We Offer
- Basic Home Loan – Loan for purchasing residential property (House/Flat).
- Home Construction Loan – Fund the construction of your future home.
- Home Extension/Improvement Loan – Finance home renovation or improvements.
- Plot + Construction Loan – Buy land and build a home your way.
- Home Loan Balance Transfer – Switch to a different lender at a lower interest rate.
Who Can Apply?
- Age between 21 and 65 years.
- Stable income (salaried or self-employed).
- Credit score of 650 or above.
- Property must meet legal and valuation standards.
Documents You’ll Need
- Identity Proof – Aadhaar Card, PAN Card, or Passport.
- Address Proof – Utility bill, Rental agreement, or Passport.
- Income Proof – Salary slips, Bank statements, or IT returns.
- Property Papers – Sale agreement, Title deed, or Property tax receipts.
Why Choose Early Grow?
- ✅ Low-Interest Rates – Get the most competitive rates tailored to your needs.
- ✅ Fast Approvals – Get pre-approved in as little as 24 hours.
- ✅ Flexible Loan Options – Choose from fixed or variable rates.
- ✅ No Hidden Fees – Transparent terms, so you know what you’re signing up for.
- ✅ Expert Guidance – Our loan specialists are here to help every step of the way.
Find the Right Home Loan for You
- 💡 First-Time Homebuyer Loans – Low down payments and easy eligibility criteria.
- 🏡 Fixed & Adjustable-Rate Mortgages – Choose stability or flexibility.
- 💳 Refinancing Solutions – Lower monthly payments or cash out on home equity.
- 📈 Investment Property Loans – Build your real estate portfolio confidently.
How It Works
- Apply Online – A simple, secure application that takes just minutes.
- Get Pre-Approved – Know your budget before you start house hunting.
- Choose Your Loan – Work with our experts to find the best fit.
- Close with Confidence – We handle the details while you focus on your future.
Start Your Home Loan Journey Today
Your dream home is just a click away! Apply now or speak to one of our experts for a personalized consultation.
Book a Free Consultation Now
Frequently Asked Questions (FAQs)
What types of home loans are there?
- Basic Home Loan – Loan for purchasing residential property (House/Flat).
- Home Construction Loan – Loan for enabling you to fund the construction of your future home.
- Home Extension/Improvement Loan – A loan for home improvement or renovation of your existing home.
- Plot + Construction Loan – Buy land and build a home your way.
- Home Loan Balance Transfer – Switch to a different lender at a lower interest rate.
How much down payment do I need?
Most lenders ask for 10-20% of the home’s price.
What is PMI (Private Mortgage Insurance)?
PMI is an extra fee that applies if your down payment is less than 20%. It protects the lender but increases your monthly payment.
How do I qualify for a home loan?
Lenders check:
- ✅ Your credit score (higher is better).
- ✅ Your income (stable earnings help).
- ✅ Your debts (lower debts improve approval chances).
- ✅ Your down payment (more savings, better offers).
What is the difference between pre-qualification and pre-approval?
Pre-Qualification – A rough estimate of how much you can borrow.
Pre-Approval – A more serious step where the lender checks your finances and gives a letter saying you're approved for a certain amount.
How does my credit score affect my home loan?
A higher credit score means:
- ✔ Lower interest rates.
- ✔ Better loan options.
- ✔ More chances of approval.
A low score can mean higher costs or even loan rejection.
Can I pay off my home loan early?
Yes! But check if your lender charges a prepayment penalty for paying it off too soon.
How long does it take to get a home loan?
Getting approved and completing the process usually takes 7 to 10 days.
