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On Your Way Toward a New Home Loan in Colorado Springs, CO

Houses aren't one size fits all. Colorado Springs home loans aren’t either. Securing the correct fit for your needs takes some shopping around! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for routine information about selecting a mortgage loan, but also contact 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 could mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit history, finances, and and the timeframe you'd like to make your move can all be a factor in the type of home loan that fits your needs. So, what's out there to choose from?

What Types of Loans Are There in Colorado Springs, CO?

Colorado Springs home buyers have more than one type of home loan to choose from. There are: 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 your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA loans and VA loans fall into the government loan category. Income and credit requirements tend to have laid-back 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 trained loan officer can help you understand your options and next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Colorado Springs, CO

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Colorado Springs to indicate that you're serious about buying a home. 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 speed up with the real estate agent and seller because they know you can buy the home. Call the mortgage team at Mr. Cooper today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. It could be the perfect season for you to buy a new house in Colorado Springs. Get started with the help you need!

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