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Finding Your Fit, Finding Your Farmington Home Loan

Houses aren't one size fits all. Farmington home loans aren’t either. Getting the best fit for you may require some comparison shopping! Mr. Cooper can help! Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We hope you'll keep reading for general 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 not-so-great credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit score, financial situation, and the timeline you'd like to make your move can all influence the type of loan that matches your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Farmington, CT?

You may have options when it comes to Farmington home loans: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan could be a great route 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.

VA loans and FHA loans fall into the government loan category. Credit and salary/wage requirements are often laid-back than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. 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 Farmington, CT

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Farmington to demonstrate that you're serious about buying a home. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. It can also speed up with the real estate agent and seller because they’re know you can afford the home. Give us a call today to chat about everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Farmington. See how we can help you navigate your next home-buying experience!

Farmington, CT Mr. Cooper Reviews

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