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Find the Phoenix, AZ Home Loan That's Best for You

For all your Phoenix home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Arizona.

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Finding Your Fit, Finding Your Phoenix Home Loan

A home isn't a one size fits all kind of thing. Neither are home loans in Phoenix. Getting the best fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We encourage you to read on for general details about picking your Phoenix home loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. A poor credit rating may mean you'll have a higher interest rate on your mortgage loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit score, financial situation, and the timing in which you wish to make your move can all be a factor in the loan type that aligns with your goals. So, what loans can you pick from?

What Home Loan Options Do I Have in Phoenix, AZ?

You may have options when it comes to Phoenix home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loan may be the perfect option for you if you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

VA loans and FHA loans fall into the government loan category. Credit and salary/wage requirements are usually a little more different than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Phoenix, AZ

Get a Verified Approval Letter from your lender before you start going to Open Houses in Phoenix to indicate that you really do intend to buy. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also show seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Phoenix. See how we can help you navigate your next home-buying experience!

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