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There's No Place Like Home

For most of us, buying a home is the single largest expense we’ll ever face. A residential mortgage is a major commitment both financially and personally – a rite of passage into adulthood and all its responsibilities. But there are no classes on how to shop for a mortgage. It’s not part of “the talk” our parents tried to have with us as teens. It’s easy to feel a bit overwhelmed and underprepared for all of the options and terminology. That’s where we can help.

Goalry offers more than mortgage shopping tips. We’ll help you understand the process and the language. We can even connect you with some pretty competitive lenders when you’re ready.

Mortgages vs. Loans

A loan is any agreement between a borrower and a lender in which credit is extended and repaid over time. A mortgage is a specific legal document allowing you to utilize specific real estate (such as your home and the surrounding property) while you pay for it over time. The property acts as collateral, meaning you don’t fully own it until the last payment is made. The lender retains the right to take it back at any time if payments are not made.

Mortgages allow us to afford far more home than we could if forced to pay in full up front. They keep interest rates low and provide incentives for lenders to compete for your house mortgage business.

Know Your Terms

Before you shop mortgage lenders or worry about daily mortgage rates, here are a few terms you’re likely to encounter:

Principal – The amount you actually borrow to buy your home before fees or interest are added.

Interest – The primary cost of your loan; a percentage of the principal multiplied over the time it takes to repay.

Fixed Rate – Interest locked in at a set amount for the life of the loan.

Adjustable Rate – Interest tied to evolving market rates; what you pay can vary over time.

Amortization – Initial payments apply mostly towards interest charged on the loan; over time, a gradually increasing percentage of each payment covers the principal.

Loanry® is Here to Help You With Your Mortgage or Refinancing


Why Loanry?

Let’s face it – nothing about buying or refinancing a home is convenient. But mortgage loan shopping online can at least offer many conveniences unavailable in pre-internet days.

The most obvious of these is the 24/7 access it gives you. Research home prices in your area, compare residential mortgage interest rates, or submit your application to any lender you choose – all at any time of day from pretty much any location. As long as you have access to a computer, laptop, or phone, you can do business when and where it works for you. And you might be surprised at how quickly you receive a response.

You may find yourself feeling uncomfortable about your credit history, or maybe you don’t know as much about how mortgages work as you think others must. You should never be embarrassed about asking good questions, but sometimes it’s easier when you’re doing so on your own time, from your own couch or home office, without having to worry how you “sound.” Whether you’re interested in traditional mortgage terms, need to know more about bad credit mortgage loans, or simply wish to compare rates or offers from various lenders, the internet makes it all far easier than was possible even a generation ago.

That’s a large part of what Goalry is all about. You may not know where to shop for a mortgage online, or even what questions to ask. We can help with that, and so much more. Whenever you’re ready.


Buying a home is a huge commitment. Even refinancing is a pretty big undertaking. Both come with some risks, but few things are as rewarding as owning your own home – especially on the day you make that final payment and it’s truly 100% yours.

You want to make the best decisions you can. Choosing the right house is the part most of us find daunting. No home seems to be entirely perfect, but they all offer something unique or promising. The right loan is a pretty big deal as well. Interest rates always matter, but when the loan amount often exceeds $100,000, every fraction of a percentage is a game changer. Then there’s insurance and escrow and property taxes and… it can all become a little overwhelming.

We can’t make those decisions for you, but we can help you find possible lenders and offer you some insights on terminology you should know and common pitfalls to look out for. Our online financial tools will let you plug in your basic info, down payments, and other variables so you can become comfortable in advance with a variety of loan options before committing. We’ll even be encouraging along the way.

And let’s not overlook the big picture. Owning your home is, for most of us, the biggest investment we’ll ever make in our lives. It’s also a rather major accomplishment. You’re doing it. You’re providing and protecting those you hold dearest. But that’s not all.

Your home is a major investment. If all goes well, it holds or gains value over the years and becomes a source of collateral as well as personal pride. It’s a safety net for financial security. There are other things that matter in this life, but in terms of material possessions, this may be the biggest. That makes purchasing and financing it steps we should take very seriously.


Loanry is a central part of the Goalry family and one in which we take great pride. It is not, however, all we do. Our vision is to provide users with far more than connections to lenders or information about interest rates. We’re building a “content mall” filled with sites covering just about every aspect of personal or small business finance. You can learn about different sorts of savings accounts or investment options on or check your credit scores on before learning more about what sorts of things appear on your credit report.

Learn more about devising an effective household budget, different types of small business loans, or how to best prepare for tax season – whatever you need to know, there’s a good chance it’s covered in plain, simple English and freely accessible from wherever you like, whenever you like. Or, if you prefer, we have hundreds of videos on our YouTube channel covering many of the same personal finance issues. Add in our online tools to calculate your loan options, compare lenders, and more.

As our “mall” expands, we hope you’ll visit,,,,,,, and – and of course you may utilize as often as you wish. The focus of each is different, but the goal of everything in the family is the same – to help you take better control of your financial world by offering a central location for information, comparisons, and connections.

Where would you like to go next?


Did You Hear?

“Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.”

Franklin D. Roosevelt (U.S. President, 1933 - 1945)

Educate Yourself

Mortgage Loan Basics

For most of us, taking out a mortgage is one of the biggest moments of our lives. It's not just that it's a LOT of money - it's the commitment, the sense of accomplishment, the importance of home, the power of ownership... and also, it's a LOT of money.

We can help walk you through the basic purpose and procedure of taking out a home mortgage loan. We'll explain the most common types of mortgages and some of the key terminology to smooth the process for you along the way. It may not feel like it right now, but you got this. If that changes, don't worry - we're here to help.

Explained in 3 easy steps

How all of
this works?

It all starts with a simple loan request that takes a few minutes to complete.

We provide that information, at your request, to participating members who might be able to able to assist you with your financial needs. Many lenders transfer funds to your checking account as soon as the next business day.


Step 1

Start Loan Shopping

Tell us things like who you are and how much money you need.It only takes minutes.

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Step 2

Find Lender

The Loanry® Store may help you find a lender interested in your loan request.

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Step 3

Check out

Funds are deposited directly to your bank account as soon as the next business day.

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Types of Mortgage Loans

There are different categories of mortgages to meet different needs and circumstances. Like most loans, the details are between you and your lender, but here are some of the most common types of mortgages you may find yourself considering.

Refinancing is far more than just resetting your mortgage clock – it allows you to choose from loan terms in today's market and based on your current financial status. If loan rates or your credit situation have improved significantly since you first took out your mortgage, refinancing can mean enormous savings over your current mortgage. Let’s take a closer look.

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It’s time to take the leap and buy that home. Maybe it’s your first, or maybe it’s simply the next step in the journey for yourself and those in your care. Choosing the right mortgage is second only to your selection of the property itself, and in many ways the impact is just as long-lasting. There are interest rates to juggle, down payments to consider, inspections and fees and closing costs. Let’s reduce some of that stress together.

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These are a relatively new structure in which lenders use the equity in your home as security for regular monthly payments to you for as long as you live there – usually until you die or move away. At that point, they take ownership of the property. Reverse mortgages are intended primarily for older homeowners and can provide tax-free flexibility in one’s later years. Unfortunately, unscrupulous lenders have used this terminology to take advantage of the elderly. Let’s separate the reality from the lofty promises.

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These loans are insured by the Federal Housing Administration. They are primarily designed to help first-time home-buyers with a limited credit history or poor credit to purchase low-cost homes in hopes of laying a foundation for ongoing stability and financial growth. FHA backing means lenders are more willing to extend credit at reasonable interest rates and with lower down payments. Let’s see if you qualify.

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These loans are designed for active-duty military personnel and veterans or their families. The backing of the VA means qualified borrowers can negotiate better interest rates, lower down payments, reduce their property taxes, and other favorable terms. As with any government program, the process itself can be hairy. If approved, however, the advantages are substantial. Let’s start looking at logistics.

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This combines the advantages of refinancing with the possibilities of debt consolidation or home improvement. Your mortgage is refinanced for more than the remaining balance of the loan, leaving you with surplus funds to pay off high-interest credit cards, update your education or job skills, or tackle essential repairs around the house without taking out a separate loan. Let’s see if this makes sense for you.

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Your home is a significant source of value which naturally increases as you pay off more and more of your initial loan. A home equity loan allows you to borrow against a portion of that value at generally favorable interest rates in order to finance major projects or other needs. It’s not something to undertake lightly, but the versatility and advantages can be substantial. Let’s talk about what you’d like to accomplish.

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A fixed interest rate will stay the same throughout the life of the loan, while a variable rate is tied to the overall market and shifts over time. The advantage of a fixed rate is obvious – predictable payment amounts no matter what happens in the rest of the economy over the years. Adjustable rates sometimes mean lower payments up front in exchange for higher risk over time. Let’s do some rate shopping and compare your options right now.

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Catchy term, isn’t it? As the name suggests, jumbo loans are designed to help buy particularly expensive types of residential property. They exceed the normal limits set by the FHA and are not eligible to be purchased or secured by Fannie Mae or Freddie Mac. They tend to require higher credit ratings and involve more paperwork, but for buyers interested in premium homes, they offer substantial opportunity. Let’s run some numbers.

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See FAQs

Find answers to some of the most commonly asked questions here

We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


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  • The selection of a third-party purchaser to acquire your information may be determined by a comparison of your registration information with available loan products. Lenders consider a number of factors when assessing your request.

  • We are not a lender, loan broker or agent for any lender or loan broker. We are a marketing lead generator and FREE advertising service designed to provide you with quick and convenient access to third-party lenders.

  • Your lender is legally required to provide you with loan documents, and disclose the terms of your loan, including rates and charges. Each lender has its own terms and policies. Be certain to evaluate all applicable terms and conditions of loan offers before making a decision.

  • The position of each potential purchaser may also be determined by the price the purchaser is willing to pay for the information (e.g., the higher the price, the better the purchaser’s position). There is no guarantee that you will be accepted by a lender, and we do not endorse any lender.

  • Third-party lenders may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, standing and/or credit capacity .

  • To prevent unauthorized access, maintain data accuracy and ensure the correct use of information we gather online, we store your personally identifiable information in a database on secure systems. We have put in place physical, electronic and managerial security procedures to protect against the loss, misuse and alteration of the information under our control.

  • Funding times may vary. Not all consumers will meet the lending criteria to qualify for a loan.

  • In the State of California, Loanry, LLC is licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law. Loanry’s California license #60DBO 66864 can be viewed by clicking the image on the left.

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