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Find a Home Loan in Sacramento, CA

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Finding Your Fit, Finding Your Sacramento Home Loan

Houses aren't one size fits all. Neither are home loans in Sacramento. Getting the best fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our goal is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to read on for general details about picking your Sacramento home loan, but also reach out to Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to improve your score. A not-so-great credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit strength, finances, and and the timing in which you wish to make your move can all be a factor in the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in Sacramento, CA

You may have options when it comes to Sacramento home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. 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.

FHA and VA loans fall into the government loan category. Income and credit requirements are usually a little more different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which home loan is right for you? A professional loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Begin in Sacramento, CA with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Sacramento to demonstrate 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 to sellers you can afford the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through 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 Sacramento. Call now to get the super-smart help you want!

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