Some commercial banks can offer pretty good interest rates. I took out a mortgage once, but it took me a long time to get the paperwork together. My beloved did not work, our income was minimal. I decided to go away for a while to make some money. I ended up getting a loan from another bank. In the USA, when a person takes a loan from a bank to buy a house, this house becomes an object of collateral, so that if the buyer defaults, the bank can get the rights to the property. If the loan is paid off, the lien expires and the house becomes full property. That fact scared me the most. To be left without a house and a livelihood is a nightmare.