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Find the Little Rock, AR Home Loan That's Best for You

Ready to buy a house in Little Rock 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 Little Rock, AR That's Best for You

A home isn't a one size fits all kind of thing. Little Rock home loans aren’t either. Securing the correct fit for your needs takes some shopping around! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for introductory details about picking your Little Rock home loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and work to get it in tip-top shape. A not-so-great credit score could mean you are presented with a higher interest rate on your 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 timeline you're looking to move can all impact the type of loan that matches your needs. So, what's out there to choose from?

What Home Loan Options Do I Have in Little Rock, AR?

There are several different types of home loans available to Little Rock home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loans might be a good choice 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.

VA loans and FHA loans fall into the government loan category. Income and credit requirements are often different criteria 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 professional 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 Little Rock, AR

Get a Verified Approval Letter from your lender before you begin looking for houses in Little Rock to indicate that you're a serious buyer. 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 show seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper now to talk about all things loan-related! We'll walk through everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Little Rock. What are you waiting for? Call now to get the super-smart help you want!

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