Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

Compare Oakdale, CA Home Loans

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

Busy? Have us call you back. Call Me Back

More Information

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

Homes aren't one size fits all structures. Neither are home loans in Oakdale. Securing the correct fit for your needs requires some loan-to-loan comparisons! Mr. Cooper can help! Our aim is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the mortgage loan process. We encourage you to continue reading for routine information about finding a home loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. A poor credit rating might mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you advocate for your best rate with a lender. Your credit score, financial state, and the timeline you wish to make your move can all influence the type of home loan that fits your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Oakdale, CA?

There are several different types of home loans available to Oakdale 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 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 are both classified as government loans. Credit and income requirements tend to have different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A professional Mr. Cooper loan officer can help you understand your options and next steps, depending on your position in the process.

Begin in Oakdale, CA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Oakdale to indicate that you're a serious buyer. 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 speed up with the real estate agent and seller because they’re know you can afford the home. Contact a Mr. Cooper mortgage professional today to chat about everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Oakdale. See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews for Oakdale, CA

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

We see home loans differently. We see them through your eyes.

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