Forget all the debates about whether you’re ready to buy a home or not. And don’t get wound up about the usual worries---the location to consider, the down payment to save up for, the risk of getting duped by pre-selling upstarts and the credit checks.

Discerning first-time homebuyers and urban achievers can now reward themselves with the home they’ve always dreamed of, without all the mandatory inconveniences, through a progressive program called the Homestarter Financing program from Community Innovations, Ayala Land’s subsidiary for pioneering developments.

Of all the hassles of buying a house or condo, first prize usually goes to monthly amortization since this can unexpectedly fluctuate depending on the prevailing interest rates in the local market. With the Homestarter Financing program, buyers are protected by interest rates that are unique for two reasons. First, they are the lowest in the market, at 5.5 percent. Second, they are fixed, which means one is assured of the same schedule of payments for the full length of his term, so that managing one’s expenses is simple and straightforward. To top it all off, the program also offers payment terms that extend up to 15 years---the longest in the market---making owning a home a breeze.

The Homestarter Financing program gives buyers unprecedented convenience and financial freedom with the lowest down payment in the market at 10 percent---which eliminates all excuses one has for not buying a home.

Conventional financing usually involves a tedious application process but because Community Innovations is the only developer offering customers financing using in-house support, buyers go through a seamless, one-time transaction. This means the great inconvenience----now accepted as a norm----of having one’s credit checked upon down payment for a house or condo, and then again for a bank loan to make the required balloon payment doesn’t apply to buyers of Community Innovations selected properties.

How about a pad at The Columns Legazpi Village? There’s also the vibrant high-rise community for urban achievers at Celadon Park in Manila, where the biggest BPO hub will soon rise. Or, if one is turning a new leaf and settling down with a family, an idyllic suburban home in the nurturing backdrop of Verdana Homes Mamplasan? The cardinal rule in real estate, and the first consideration of any homebuyer, is now a thing of the past with the extensive roster of prestigious developments waiting to be owned through the Homestarter Financing program.