They say, "Home is where the heart is", so it is essential to have a home of one's own. But nowadays most families live in apartments or space rentals because of the high cost it would take to make one's dream (house) come true. With other financial obligations, it is a sad truth that having your own place cannot be a priority. Food, utility bills, education fees, and all those sorts of expenses prevent a family from buying their very own a house, and so most of the time they make do with just living in a flat for the majority of their life. But come to think of it, the monthly rental a family pays can be just the amount needed to finally have a home.

For a family of five a small, simple, house is quite enough. As long as there is a receiving room, a space for dining, a cozy kitchen, perhaps with two bedrooms, a small laundry cupboard, and a garage where you can grow your own vegetable garden or as a parking space for the family car, then it is decent. Whether it be a bungalow or a two-storey townhouse, the way the family adorns it with their stuff will give it a sense of home. One should just consider the convenience of the place - its proximity to a hospital, your place of work, supermarkets, and a school. One might want to live near a park or a mall, where not so many cars pass by so as to have a quieter, more personal time with your loved ones. The ambience where your house stood is also important - its conduciveness for the children's learning and growth, the security around the place, and the preoccupations of your neighbors.

Once you have a prospect home in mind, you can consider getting a loan from one of these agencies that offer the most convenient, cost-efficient, and trouble-free home loan services in town:

1. Home Mortgage Loans from Bank of Guam

   The first good thing about this loan program, is that the application is for free. One can easily contact the agency for advisors who will help him sort out what house type fits his style and budget. If there is no luxury of time, their online features for loan computation are just a click away just as long as one's had his canvassing of his dream house done. For application details and other enquiries one may visit their website at http://www.bankofguam.com/personal/loans-credit/home-mortgage-loans.html.

2. Home Loans from ANZ

   ANZ has different mortgage offers for their clients' different needs. Fixed Rate Mortgage and Adjustable Rate Mortgage are available and they offer townhouses and condominium units. If a family already owns a land, Construction Loan would be a great help for them to have their dream house built. It finances construction costs for a maximum value of 80%. The complete features of their services can be viewed on their webpage at http://www.anz.com/guam/en/personal/loans-overdrafts/home-loans/.

3. HOME Program

   HOME Program provides financing for rehabilitation and building of houses and is offered to low-income families. Their home ownership assistance program is designed to help families have a home even without enough income to do so. Qualification of eligible beneficiaries and other concerns are detailed in their homepage. http://guamhousingprograms.com/cor_guam.php

4. Mortgage offers from First Hawaiian Bank

   They offer consultation for loan and mortgage assistance whether a family wants to own a house or already has one, but would like to improve it. They have Fixed Mortgage Rate and Adjustable Mortgage Rate that offers lower initial monthly payments. This is suitable for families that are just starting and is not capable at the time to release a lot of money in one go. The wonderful thing about this mortgage is it has a fixed rate and would not increase during the entire loan term - so no surprise costs there.

Having your loan approved is now a step closer to having the house of your dreams. Choosing the best location, having been considered the points suggested above, is such a crucial point. Living in the city has its pros – most of them lie in the fact that most services are more accessible in there than in any other part of the country. Meanwhile, the lifestyle in the rural area is basically more slow-paced as compared to that in the metro. A suburban area would be just the perfect place to start your home. Some of these areas are towns which have been just developed into a city – the populace is not at large, and usually where nature and civilization meet.

With these features in mind and the help of one of the best home loan agencies, a dream house can now definitely become one's sweetest reality.