I would like to contact you to see how to get a home loan for $250,000, what the monthly payments would be and if a 25 year term is available. Would they give me 100%, who pays the appraisal and the other expenses?

At this moment, it is very difficult to borrow 100% of the funds that you need to purchase a home, Not so long ago, you could have taken a loan for 80% of the home's value and then another for 20% of its value. This would have provided you with all of the funds you needed without taking out Private Mortgage Insurance (PMI).  Now, only a few lenders, mainly banks and credit unions will make loans if you have a low downpayment. Most require a full 20% downpayment or at the very least, 10% down and Private Mortgage Insurance (PMI).

As for expenses, you will be ultimately responsible for these types of closing costs. Previously, many of these could be rolled into the loan amount for closing, but the current market requires their payment. Typical lengths for loans are 15 or 30 years, with 30 years being the more common. Using one of the calculators from this page shows that for a 30 year loan at 7% per annum interest rate, the monthly payment would be around $1,665. You may need to add PMI or homeowners insurance or property taxes to that payment. If you paid 20% as a downpayment, you would then have a loan of $200,000 and a monthly payment of $1,331.