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Compare Florence, AZ Home Loans

Ready to buy a house in Florence but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

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Getting the Home Loan in Florence, AZ That's Best for You

A home isn't a one size fits all kind of thing. Neither are home loans in Florence. Finding the right fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our mission is to keep the dream of homeownership alive starting with the loan process. We encourage you to read on for introductory details about picking your Florence home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and work to get it in tip-top shape. A less-than-stellar credit score could mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, financial situation, and the timeframe you wish to make your move can all influence the type of loan that matches your needs. So, what options are out there for you?

What Types of Loans Are There in Florence, AZ?

Florence home buyers have more than one type of home loan to choose from. There are: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan may be the perfect option for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA loans and VA loans are both classified as government loans. Credit and salary/wage requirements are often laid-back than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A trained loan officer can help you understand your options and next steps, depending on your position in the process.

Begin in Florence, AZ with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Florence to demonstrate that you're a serious buyer. A Verified Approval Letter is proof that your finances have been reviewed by the lender, and you have an estimate of how much you can buy. It can also show seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper today to chat about everything from your Verified Approval letter to your credit and loan options. Now could be the perfect time for you to buy a house in Florence. Get started with the help you need!

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