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Getting the Home Loan in Naugatuck, CT That's Best for You

Houses aren't one size fits all. Neither are home loans in Naugatuck. Finding the right fit for you takes some shopping around! That's where Mr. Cooper comes in. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We hope you'll keep reading for introductory information about selecting a mortgage loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A not-so-great 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 negotiate your best rate with a potential lender. Your credit strength, finances, and and the timeframe you'd like to make your move can all impact the type of loan that matches your needs. So, what options are out there for you?

Different Types of Home Loans in Naugatuck, CT

Naugatuck home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loans might be a good choice 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. Credit and income requirements are often laid-back than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A trained loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Begin in Naugatuck, CT with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Naugatuck to indicate that you've done your due diligence. 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 to sellers you can afford the home they’re selling. Give us a call today to chat about everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Naugatuck. What are you waiting for? Call now to get the super-smart help you want!

Mr. Cooper Reviews from Real Customers in Naugatuck, CT

Take it from these happy Mr. Cooper mortgage customers in Naugatuck, CT: We love helping homeowners. Call now to see how we can serve you.

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