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Compare Patterson, CA Home Loans

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

A home isn't a one size fits all kind of thing. Neither are home loans in Patterson. Securing the correct fit for your needs takes some shopping around! Mr. Cooper can help! Our aim 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 introductory information about finding a home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A not-so-great credit score might mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit history, financial situation, and the timing in which you wish to make your move can all influence the loan type that aligns with your goals. So, what loans can you pick from?

What Types of Loans Are There in Patterson, CA?

There are several different types of home loans available to Patterson home buyers: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loan could be a great route 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.

FHA and VA loans are both types of government loans. Credit and salary/wage requirements tend to have 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 trained loan officer can help you get to know your options and what comes next, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Patterson, CA

Get a Verified Approval Letter from your lender before you start going to Open Houses in Patterson to show that you're serious about buying a home. 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 show to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper 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 Patterson. What are you waiting for? See how we can help you navigate your next home-buying experience!

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