the disbursement of home loans is a very challenging process as many aspects are involved in its decision making process. This also includes the attitude and behavior of the customers and loan officials in providing fair and unbiased decisions. Researchers have recently found that expert systems perform very well for this complex problem when compared to more traditional statistical approaches. This paper presents an Expert System that would aid in the disbursement of Home Loans (accepting and rejecting home loan applicants). The system makes decisions and provides suggestions similar to those of a Loan Officer (Human Expert). The system will use a goal driven approach along with knowledge engineering in order to make a uniform, well informed decision. The system was verified and validated for its correctness and efficiency by running a series of tests and comparing the results to the decisions, the human experts have taken in the past.