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

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Get Started on Your Goleta Home Loan Journey

Houses aren't one size fits all. Goleta 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 aim is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to read on for general information about selecting a mortgage loan, but also reach out to 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 strong credit score can help you advocate for your best rate with a lender. Your credit history, financial situation, and the timeline you wish to make your move can all impact the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Goleta, CA?

There are several different types of home loans available to Goleta home buyers: 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 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.

FHA loans and VA loans fall into the government loan category. Credit and salary/wage requirements are often 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 trained loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Goleta, CA

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Goleta to demonstrate that you've done your due diligence. 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 with the real estate agent and seller because they’re know you can afford the home. Give us a call today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Goleta. What are you waiting for? See how we can help you navigate your next home-buying experience!

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