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Find a Home Loan in New Fairfield, CT

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

A home isn't a one size fits all kind of thing. New Fairfield home loans aren’t either. Finding the right fit for you takes some shopping around! That’s where Mr. Cooper can help. Our mission is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to continue reading for routine information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. 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 secure a better rate with your potential lender. Your credit score, financial situation, and the timeframe you'd like to make your move can all influence the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in New Fairfield, CT

You may have options when it comes to New Fairfield home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loans might be a good choice 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.

FHA loans and VA loans fall into the government loan category. Income and credit requirements tend to have different than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Start with a Preapproval Letter in New Fairfield, CT

Secure a Verified Approval Letter from the lender before you start going to Open Houses in New Fairfield to indicate that you really do intend to buy. A Verified Approval Letter is proof that your finances have been reviewed by the lender, and you have an estimate of 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 chat about everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in New Fairfield. What are you waiting for? See how we can help you navigate your next home-buying experience!

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