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Find a Home Loan in Lafayette, CA

For all your Lafayette home loan needs, call Mr. Cooper. We're your purchase and refinance partner in California.

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On Your Way Toward a New Home Loan in Lafayette, CA

Houses aren't one size fits all. Lafayette home loans aren’t either. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to continue reading for general details about picking your Lafayette home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A not-so-great credit score might mean you are presented with a higher interest rate on your 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 timeframe you're looking to move can all affect the type of loan that matches your needs. So, what options are out there for you?

Different Types of Home Loans in Lafayette, CA

There are several different types of home loans available to Lafayette home buyers: 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 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 fall into the government loan category. Income and credit requirements are usually a little more 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 understand your options and next steps, depending on your position in the process.

Start with a Preapproval Letter in Lafayette, CA

Secure a Verified Approval Letter from the lender before you start shopping for homes in Lafayette to indicate that you really do intend to buy. A Verified Approval Letter is proof that your finances have been reviewed by the lender, and you have an estimate of how much you can buy. It can also show 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 chat about everything from your potential loan options, credit score, and your Verified Approval letter. It could be the perfect season for you to buy a new house in Lafayette. Call now to get the super-smart help you want!

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