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Find a Home Loan in Lafayette, CO

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Get Started on Your Lafayette Home Loan Journey

Houses aren't one size fits all. The same can be said for home loans in Colorado. Securing the correct fit for your needs may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to continue reading for routine details about picking your Lafayette 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 get it in tip-top shape. A poor credit rating could mean you end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit strength, financial state, and the timing in which you'd like to make your move can all be a factor in the type of home loan that fits your needs. So, what loans can you pick from?

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

There are several different types of home loans available to Lafayette home buyers: 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 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.

VA and FHA loans fall into the government loan category. Credit and income requirements tend to have laid-back 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 compare loans and plan your next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Lafayette, CO

Get a Verified Approval Letter from your lender before you begin looking for houses in Lafayette to demonstrate 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 show seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper today to discuss everything from your Verified Approval letter to your credit and loan options. Now could be the perfect time for you to buy a house in Lafayette. Call now to get the super-smart help you want!

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