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Find a Home Loan in Tempe, AZ

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Finding Your Fit, Finding Your Tempe Home Loan

Houses aren't one size fits all. The same can be said for home loans in Arizona. Securing the correct fit for your needs may require some comparison shopping! That’s where Mr. Cooper can help. Our aim is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to continue reading for basic details about picking your Tempe 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 improve your score. A low credit score could mean you end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, financial state, and the timeline you'd like to make your move can all influence the type of loan that matches your needs. So, what loans can you pick from?

What Types of Loans Are There in Tempe, AZ?

You may have options when it comes to Tempe home loans: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loans might be a good choice 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.

FHA loans and VA loans are both classified as government loans. Credit and income 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. Which one of these home loans is a good fit for you? A professional loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Tempe, AZ

Secure a Verified Approval Letter from the lender before you start shopping for homes in Tempe to demonstrate that you've done your due diligence. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. It can also speed up to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Tempe. What are you waiting for? Get started with the help you need!

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