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Find the Plainfield, CT Home Loan That's Best for You

Ready to buy a house in Plainfield 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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Get Started on Your Plainfield Home Loan Journey

A home isn't a one size fits all kind of thing. Neither are home loans in Plainfield. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our mission is to keep the dream of homeownership alive starting with the loan process. We hope you'll keep reading for routine details about picking your Plainfield home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A poor credit rating could mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit history, financial situation, and the timing in which you wish to make your move can all impact the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in Plainfield, CT

Plainfield home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. 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.

VA and FHA loans fall into the government loan category. Credit and income requirements tend to have 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 one of these home loans is a good fit for you? A loan officer can help you get to know your options and what comes next, depending on your position in the process.

Begin in Plainfield, CT with a Preapproval Letter

Get a Verified Approval Letter from your lender before you begin looking for houses in Plainfield to indicate 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. The letter can also carry more weight with the real estate agent and seller because they know you can afford the home. Contact a Mr. Cooper mortgage professional today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Plainfield. Get started with the help you need!

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