Home mortgage is the most common solution for most people who want to buy a home but do not have finances immediately. A home mortgage has a lot of benefits attached and provides you with an opportunity to create a home that meets your need and style.  There are various ways to get a home mortgage from mortgage brokers who can help arranging transaction to commercial banks or mortgage companies. Before applying for a home mortgage you must do your homework and research for your options. You can also compare home mortgages at various websites to get the best deal. Together principal, interest, taxes and insurance will determine the total cost for your home mortgage. Another important factor is the down payment that you will be required to pay at the initiation of home mortgage. Next thing that determines your home mortgage package is the credit scoring and credit history of the buyer.