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

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Get Started on Your Stratford Home Loan Journey

A home isn't a one size fits all kind of thing. Stratford home loans aren’t either. Finding the right fit for you requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We encourage you to read on for basic information about finding a home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and try your best to get it in tip-top shape. A poor credit rating may mean you end up with a higher interest rate on your home loan. On the other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, financial state, and the timeframe you wish to make your move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Stratford, CT

There are several different types of home loans available to Stratford home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan may be the perfect option 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 are both classified as government loans. Income and credit requirements are usually a little more 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 professional Mr. Cooper 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 Stratford, CT

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Stratford to demonstrate 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. The letter can also carry more weight with the real estate agent and seller because they know you can afford the home. Give us a call today to discuss 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 Stratford. See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews from Real Customers in Stratford, CT

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