Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

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

For all your West Sacramento home loan needs, call Mr. Cooper. We're your purchase and refinance partner in California.

Busy? Have us call you back. Call Me Back

More Information

On Your Way Toward a New Home Loan in West Sacramento, CA

Homes aren't one size fits all structures. Neither are home loans in West Sacramento. Finding the right fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to continue reading for basic information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and try your best to improve your score. A poor credit rating might mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you advocate for your best rate with a lender. Your credit strength, financial situation, and the timing in which you're looking to move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in West Sacramento, CA

There are several different types of home loans available to West Sacramento 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 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 usually a little more different criteria 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 trained loan officer can help you understand your options and next steps, depending on your position in the process.

Begin in West Sacramento, CA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you begin looking for houses in West 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. The letter can also carry more weight to sellers you can afford the home they’re selling. Give us a call today to discuss 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 West Sacramento. Call now to get the super-smart help you want!

Mr. Cooper Reviews from Real Customers in West Sacramento, CA

Read reviews from actual Mr. Cooper home mortgage customers in West Sacramento, CA.

Overall Rating

out of 5 stars ( customer reviews)

We see home loans differently. We see them through your eyes.

Work with Mr. Cooper to get pre-qualified and get into the home of your dreams.