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Apply for a Home Loan in Santa Barbara, CA

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Finding Your Fit, Finding Your Santa Barbara Home Loan

A home isn't a one size fits all kind of thing. Santa Barbara home loans aren’t either. Securing the correct fit for your needs requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for routine details about picking your Santa Barbara home loan, but also contact 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 may mean you end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you advocate for your best rate with a lender. Your credit score, financial state, and the timing in which you're looking to move can all affect the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Santa Barbara, CA

You may have options when it comes to Santa Barbara 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 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 and FHA loans fall into the government loan category. Income and credit requirements tend to have different 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 loan officer can help you get to know your options and what comes next, depending on your position in the process.

Begin in Santa Barbara, CA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start going to Open Houses in Santa Barbara to demonstrate that you're serious about buying a home. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. The letter can also carry more weight with the real estate agent and seller because they’re know you can afford the home. Contact a Mr. Cooper mortgage professional now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Santa Barbara. Call now to get the super-smart help you want!

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