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Apply for a Home Loan in Durango, CO

Ready to buy a house in Durango but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

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Finding Your Fit, Finding Your Durango Home Loan

Houses aren't one size fits all. Durango home loans aren’t either. Getting the best fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our aim is to keep the dream of homeownership alive starting with the mortgage loan process. We hope you'll keep reading for general details about picking your Durango home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and try your best to improve your score. A not-so-great credit score could mean you'll have a higher interest rate on your mortgage loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit strength, finances, and and the timeline you'd like to make your move can all be a factor in the type of home loan that fits your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Durango, CO?

There are several different types of home loans available to Durango home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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 are both classified as 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 home loan is right for you? A professional Mr. Cooper loan officer can help you understand your options and next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Durango, CO

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Durango to show 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 seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Durango. What are you waiting for? See how we can help you navigate your next home-buying experience!

Durango, CO Mr. Cooper Reviews

Read real stories from real Mr. Cooper home mortgage customers in Durango, CO. Then contact us to see what we can do for you.

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