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Getting the Home Loan in Folsom, CA That's Best for You

Houses aren't one size fits all. Neither are home loans in Folsom. Finding the right fit for you may require some comparison shopping! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for general information about finding a home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may 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 are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit strength, financial situation, and the timing in which you wish to make your move can all influence the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Folsom, CA?

You may have options when it comes to Folsom home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan could be a great route 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 fall into the government loan category. Income and credit requirements tend to have different than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. How do you know which home loan is the best for you? A professional loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Begin in Folsom, CA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start going to Open Houses in Folsom to demonstrate that you're a serious buyer. 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 speed up with the real estate agent and seller because they’re know you can afford the home. Contact a Mr. Cooper mortgage professional 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 could be the perfect time for you to buy a house in Folsom. Call now to get the super-smart help you want!

Mr. Cooper Reviews for Folsom, CA

Take it from these happy Mr. Cooper mortgage customers in Folsom, CA: We love helping homeowners. Call now to see how we can serve you.

We're here to support you on the path to home ownership.

With Mr. Cooper, you can get pre-approved for a mortgage and get into a new home sooner.