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Apply for a Home Loan in Fountain Hills, AZ

Ready to buy a house in Fountain Hills 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 Fountain Hills, AZ That's Best for You

Homes aren't one size fits all structures. Neither are home loans in Fountain Hills. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our aim is to keep the dream of homeownership alive starting with the loan process. We hope you'll keep reading for routine details about picking your Fountain Hills home loan, but also reach out to Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A low credit score may mean you'll have a higher interest rate on your mortgage loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit history, financial situation, and the timing in which you'd like to make your move can all be a factor in the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Fountain Hills, AZ

There are several different types of home loans available to Fountain Hills home buyers: 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 income and employment history are stable, your credit is healthy, and you're going to make a down payment of at least 3% depending on your situation.

VA and FHA loans are both types of government loans. Credit and income requirements tend to have different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A loan officer can help you get to know your options and what comes next, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Fountain Hills, AZ

Get a Verified Approval Letter from your lender before you start going to Open Houses in Fountain Hills to indicate that you're serious about buying a home. 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. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Give us a call today to chat about everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Fountain Hills. Get started with the help you need!

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