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Welcome to Mozo's home loans hub. We can help save you thousands on your current loan or help you find the perfect loan for your perfect first home. Mozo has everything you need to compare home loans helping you to find the right loan quickly and easily.

Whether you're an investor looking for your next big property purchase, a home owner seeking a better deal or a first home buyer ready to take the plunge into home ownership, welcome to Mozo. We've pulled together this handy cheat sheet to help you understand your home loan and borrowing options and show you how to use our site to compare the range of home loans available in Australia.

Gone are the days when you simply went to the local branch manager of your existing bank to discuss getting a home loan. These days, the choice is yours and that's where Mozo helps you cut through the clutter to find a great value home loan that best meets your needs. You can get your home loan with a big bank, opt for a credit union or even an online only lender. But before you choose a provider you first need to figure out the best loan type for you, and to do this you'll need to know answers to the following questions:

The above tool estimates monthly mortgage payments with taxes, insurance, PMI, HOA fees & more.

Click on the "define" & "more" tabs for a description of each input & how they are used in calculations. Set an input to zero to remove it from the calculation.

The Michigan State Housing Development Authority (MSHDA) provides financial and technical assistance through public and private partnerships to create and preserve safe and decent affordable housing.

Refinancing refers to satisfying a debt by making another loan on new terms. The most common consumer refinancing is for a home mortgage, which generally involves paying off your existing mortgage and taking out a new mortgage.

The Making Home Affordable Program offers opportunities to modify or refinance your mortgage to make your monthly payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure. Call 1-888-995-4673 for more information.

Please note: New Federal Reserve rules require mortgage companies to notify homeowners when their loans are transferred to another company. The company that takes over your loan must send you a notice within 30 days of acquiring it. Even with a new loan owner, the company that "services" or handles your loan might not change and you might continue to send your payments to the same address. If that loan servicer changes, you will receive a separate notice.

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