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

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On Your Way Toward a New Home Loan in Shelton, CT

Homes aren't one size fits all structures. Shelton home loans aren’t either. Finding the right fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our mission is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to continue reading for introductory details about picking your Shelton home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and try your best to improve your score. A not-so-great credit score may mean you are presented with a higher interest rate on your loan. On the other hand, a strong credit score can help you advocate for your best rate with a lender. Your credit strength, financial situation, and the timeline you wish 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 Shelton, CT?

Shelton 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 income and employment history are stable, your credit is healthy, and you're going to make a down payment of at least 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, 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 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 Shelton, CT

Get a Verified Approval Letter from your lender before you begin looking for houses in Shelton 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 to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. It could be the perfect season for you to buy a new house in Shelton. Get started with the help you need!

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