When talking about living, the most beautiful question that comes to mind is - What is Life? While trying to find the answer, I came across various expressions that defined it in a different way. Some say the endless act of breathing is Life, while others say enjoying with your loved ones is. Or living in a home that you bought after endless sacrifices. An atmosphere of pure happiness, good vibes and positive life.
One such atmosphere does exist in reality. Enter The Wadhwa Atmosphere. A multi-family residential apartment development project located in the most buzzing central suburbs of Mumbai - Mulund. This residential project is aimed at providing its people with the taste of the rich lifestyle with a seamless approach. The inhabitants at Atmosphere will experience the joy of being a part of an easy-going lifestyle that will pamper their mind, body and soul. All the efforts were put together in order to provide an experience of being at a location with flawless connectivity to rest of the city and other suburban areas.
The prime location of this project is what makes it special. Located at the start of Goregaon-Mulund Link Road, this majestic landmark stands tall overlooking the city between the Eastern Express Highway and the famous LBS Road. This location provides an essential hub that connects to other parts of the city without a hitch. Along with the road network, the Atmosphere is also served by the Nahur and Mulund Railway stations, Nahur being the closest at just 0.35 km. The presence of such transport infrastructures makes this project worth its cost.
Just as there are lots of amenities outside the project, similarly, luxury and conveniences await within the Atmosphere. The developer has put in all the efforts of making the project to take care of all the needs and desires of its people. This residential project consists of 3 high rise towers that include 43 floors of 2 BHK, 2.5 BHK and 3 BHK apartments. These apartments provide a quality living experience without compromising on anything. Comfort is the number one priority inside these luxurious accommodations. Starting from vitrified tiling in the living room to laminated flooring in the bedroom, from semi-modular kitchens to premium bath fittings, every corner of these apartments are bathed in luxury to provide the feel of modern premium living standards.
Other amenities outside the apartments are as good as what is provided inside. There are modern facilities that await you in the Atmosphere. Enjoy the time with your kids in the swimming pool, spend time watching movies at the mini-theatre. Have fun playing at the squash court and also learn how to skate at the skating rink. Spend quality time with your family in the Landscaped Garden or set your kids free in the children play area. Whatever you do, you will never run out of options of having fun in the Atmosphere. Security is also present and accounted for with video door phones, intercom facility and CCTV in common areas.
The Atmosphere is a result of a rich legacy carried by The Wadhwa Group over half a century that is built on trust and belief. This is backed up by the quality of work and its timely completion making it Mumbai’s one of the leading real estate developers.
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Before assuming a mortgage is unaffordable, potential homebuyers need to educate themselves and find what can they qualify for, and then make the decision if a home is affordable or not.It is important to understand that apart from conventional, or traditional mortgage there are other options available like non-conventional loans.WHAT DOES IT MEAN?A non-conventional loan offers more relaxed qualification requirements and encourages homeownership.These loans are backed by different departments of the U.S. government, so in the case that the borrower defaults on his loan the government protects the lender.Be it first-time homebuyers, low-income earners, or people who have serviced the U.S. government in the past can now get a mortgage through non-conventional loans because of its relaxed eligibility criteria.TYPES OF THESE LOANSThe FHA loans, VA loans, and USDA loans are the 3 most common types of non-conventional loans.FHA loans — are insured by the Federal Housing Administration in the U.S. With a minimum credit score requirement of 500 and a down payment of 10%, and a minimum credit score of 580 for a down payment of only 3.5% one can qualify for an FHA loan.But in most cases, the borrower has to pay mortgage insurance throughout the life of the loan.VA Loans — are backed by the Veterans Affairs department of the U.S. government.They are available only to service members, veterans, or spouses of a military service member or veteran.There is no specified credit score or downpayment requirements with VA loans.
Neither do they require the borrower to pay mortgage insurance premiums.But, if the appraised value of the home exceeds its market value then a down payment needs to be made.
Which will be equal to the difference between the two.The borrower is also required to pay a funding fee with VA loans.USDA Loans — are backed by the U.S. Department of Agriculture.
They are made to encourage homeownership for individuals living in rural areas.To qualify for this loan, the property must be in a town with less than 20000 people.There are no credit score or minimum down payment requirements, but the income of the borrower must be less than 115% of the median county income it wants to qualify for a USDA loan.A mortgage insurance premiums too will have to be paid throughout the life of the loan.Conventional loans are backed by private lenders and not by the U.S. government.Hence borrowers pay private mortgage insurance on them.
Conventional loans have two types of loans: conforming loans and non-conforming loans.The conforming loans are under the limit set by the Federal Housing Finance Agency, and meet the necessary criteria to be purchased by Fannie Mae and Freddie Mac.Non-conforming loans do not meet these criteria and exceed the FHFA limit.Credit score requirement — For a conventional loan, the credit score must be at least 620.
Whereas with non-conventional loans a lower requirement of 500 for FHA loans and no credit score requirements for the other types.Down payment — Borrowers can choose to put a down payment of only 3% with conventional loans.But because it is less than 20%, they need to pay private mortgage insurance.
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