The dream of owning a home is no longer as hard as it uses to be. With easy accessibility to Home Loan to an employed or self-employed person can live this dream. With a few simple as easy steps, you could be sitting in your own home and enjoy the fruits of it before you retire. The dirt and foremost thing are to decide on a budget. Nowadays Financial Institutes extend their services in helping you determine your affordability factor based on which you can determine what amount of home loans you should be looking for. Next thing is to decide the location and amenities and surroundings that you want.