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Compare Chico, CA Home Loans

Ready to buy a house in Chico 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 Chico, CA That's Best for You

A home isn't a one size fits all kind of thing. The same can be said for home loans in California. Securing the correct fit for your needs may require some comparison shopping! That’s where Mr. Cooper can help. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We hope you'll keep reading for introductory details about picking your Chico home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. A less-than-stellar credit score could mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit strength, financial situation, and the timeframe you're looking to move can all influence the type of loan that matches your needs. So, what loans can you pick from?

What Home Loan Options Do I Have in Chico, CA?

Chico home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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.

FHA loans and VA loans are both classified as government loans. Income and credit requirements are often different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A trained loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Chico, CA

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Chico to indicate that you really do intend to buy. 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. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through 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 Chico. Call now to get the super-smart help you want!

Mr. Cooper Reviews from Real Customers in Chico, CA

Read real stories from real Mr. Cooper home mortgage customers in Chico, CA. Then contact us to see what we can do for you.

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