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Find the Stockton, CA Home Loan That's Best for You

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Getting the Home Loan in Stockton, CA That's Best for You

A home isn't a one size fits all kind of thing. Neither are home loans in Stockton. Finding the right fit for you requires some loan-to-loan comparisons! Mr. Cooper can help! Our aim is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for routine details about picking your Stockton home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A poor credit rating might mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, financial situation, and the timeframe you're looking to move can all be a factor in the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Stockton, CA?

You may have options when it comes to Stockton 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 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 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, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Stockton, CA

Get a Verified Approval Letter from your lender before you start going to Open Houses in Stockton to indicate 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 show to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper today to chat about 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 Stockton. Call now to get the super-smart help you want!

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