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Apply for a Home Loan in Fountain Valley, CA

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Get Started on Your Fountain Valley Home Loan Journey

Houses aren't one size fits all. Neither are home loans in Fountain Valley. Securing the correct fit for your needs may require some comparison shopping! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to continue reading for routine information about selecting a mortgage loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A low credit score may mean you end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you advocate for your best rate with a lender. Your credit history, financial state, and the timing in which you're looking to move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in Fountain Valley, CA?

Fountain Valley 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 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 types of government loans. Income and credit requirements are often laid-back 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 loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Begin in Fountain Valley, CA with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you begin looking for houses in Fountain Valley to demonstrate 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 speed up with the real estate agent and seller because they’re know you can afford the home. Call the mortgage team at Mr. Cooper today to discuss 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 Fountain Valley. Get started with the help you need!

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