Home loans are not as tricky as they may seem. You have multiple options but always find one that fits you. Firstly, check with your employer if they have the option of offering you a loan. Then look at your local bank. Check for interest rates, long and short term loans and the other charges when it comes to home loans. Always read the fine print before you sign for your loan. A better credit score will help you get better loan options. So pay off any pending personal or car loans and start afresh with your home loan.