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Compare Wolcott, CT Home Loans

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

Houses aren't one size fits all. Wolcott 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 keep the dream of homeownership alive starting with the loan process. We encourage you to read on for routine information about finding a 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 get it in tip-top shape. A less-than-stellar credit score might 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 score, financial state, and the timing in which you wish to make your move can all impact the loan type that aligns with your goals. So, what's out there to choose from?

What Types of Loans Are There in Wolcott, CT?

There are several different types of home loans available to Wolcott home buyers: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loan could be a great route 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.

VA loans and FHA loans are both classified as government loans. Credit and salary/wage requirements are usually a little more different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A trained loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Wolcott, CT

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Wolcott to show 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 credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Wolcott. What are you waiting for? Call now to get the super-smart help you want!

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