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Compare Santa Monica, CA Home Loans

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On Your Way Toward a New Home Loan in Santa Monica, CA

Homes aren't one size fits all structures. Santa Monica home loans aren’t either. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for routine information about finding a home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and try your best to improve your score. A low credit score may mean you are presented with a higher interest rate on your loan. On the other hand, a strong credit score can help you advocate for your best rate with a lender. Your credit history, financial state, and the timeframe you're looking to move can all affect the type of loan that matches your needs. So, what loans can you pick from?

What Home Loan Options Do I Have in Santa Monica, CA?

You may have options when it comes to Santa Monica home loans: 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 and VA loans are both types of government loans. Income and credit requirements are often 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. 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 position in the process.

Begin in Santa Monica, CA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Santa Monica to show 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 today to chat about everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Santa Monica. See how we can help you navigate your next home-buying experience!

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