Since the beginning of time, families have lived in homes. However, these homes have assumed different forms through recorded history.

In prehistoric times, families lived in caves or in small huts which were constructed from fallen tree limbs. These primitive dwellings lacked all of the modern amenities that we have started to associate with houses and homes. However, they provided that basic human necessity, shelter, that is required for survival. These cave dwellings were also very sturdy and could withstand the elements very well. The only thing that cave owners had to worry about were earthquakes which could them within their homes and snakes and bears which might decide to forcibly evict the family from its home.

Later in history, families started to build sturdier houses for themselves. In Europe during the Middle Ages, for example, many wealthy families built strong castles made out of stones, iron, and brick to protect themselves from their enemies. Unlike their primitive ancestors, these castle dwellers did not have to worry about earthquakes destroying their homes or wild animals invading their homes. On the other hand, they did have to worry about invading barbarians and foreign armies which might decide to evict them from their homes or worse, murder them in their sleep. Furthermore, these castles were often freezing cold during the winters and deathly warm during the summers. Finally, only the very wealthiest citizens could afford to live in these castles; the poorest citizens lived in crowded city ghettos or slept in dirty barns in the countryside.

In modern times, many families live in relatively modest homes in suburbs which are located outside major metropolitan areas. These homes usually have two stories in addition to an attic and a basement. Furthermore, most of these homes come equipped with modern appliances and amenities such as washers, dryers, fridges, dishwashers, air conditioning units, ovens, microwaves, gas stoves, and electric heaters. Consequently, many homeowners believe that these houses are a great place to raise a family.

Unfortunately, many of these houses have become extremely expensive over the last four or five years thanks to the recent real estate crash. Consequently, in order to afford these modest homes, many families have resorted to Belair home loans. These Belair home loans function like mortgages. In other words, when a family applies for a Belair home loans, the bank agrees to provide several thousand dollars to the family so that it can purchase their modest dream home with the expectation that the family will repay the Belair home loans within a set period of time, usually no more than thirty years after the sell date. These Belair home loans almost always carry modest interest rates which enable the banks to make a good profit in the long run from these Belair home loans. If families cannot repay their Belair home loans, the bank will repossess their modest dream home. The family will then live in caves like their ancestors. Aside from this troublesome detail, many families believe that Belair home loans are good deals.