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Find the Fullerton, CA Home Loan That's Best for You

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Get Started on Your Fullerton Home Loan Journey

Houses aren't one size fits all. Fullerton home loans aren’t either. Securing the correct fit for your needs may require some comparison shopping! That’s where Mr. Cooper can help. Our mission is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for introductory information about selecting a mortgage loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit 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 flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit history, financial situation, and the timing in which you'd like to make your move can all influence the type of home loan that fits your needs. So, what options are out there for you?

Different Types of Home Loans in Fullerton, CA

There are several different types of home loans available to Fullerton 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 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.

VA loans and FHA loans are both types of government loans. Credit and salary/wage requirements are usually a little more different criteria 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. Which one of these home loans is a good fit for you? A professional Mr. Cooper loan officer can help you understand your options and next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Fullerton, CA

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Fullerton to show that you've done your due diligence. 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 seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Fullerton. What are you waiting for? Get started with the help you need!

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