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Apply for a Home Loan in Pasadena, CA

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

A home isn't a one size fits all kind of thing. The same can be said for home loans in California. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We hope you'll keep reading for basic 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 improve your score. A poor credit rating may mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you advocate for your best rate with a lender. Your credit score, finances, and and the timeline you wish to make your move can all affect the loan type that aligns with your goals. So, what loans can you pick from?

What Types of Loans Are There in Pasadena, CA?

You may have options when it comes to Pasadena home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan may be the perfect option 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 fall into the government loan category. Credit and salary/wage requirements are usually a little more 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 one of these home loans is a good fit for you? A loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in Pasadena, CA with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Pasadena to show 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 seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Pasadena. See how we can help you navigate your next home-buying experience!

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