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Getting the Home Loan in Lewes, DE That's Best for You

A home isn't a one size fits all kind of thing. The same can be said for home loans in Delaware. Securing the correct fit for your needs requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our mission is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for basic details about picking your Lewes home loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and work to get it in tip-top shape. A less-than-stellar credit score may mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit score, finances, and and the timeline you'd like to make your move can all affect the type of loan that matches your needs. So, what loans can you pick from?

What Types of Loans Are There in Lewes, DE?

You may have options when it comes to Lewes home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline 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 and FHA loans are both types of government loans. Income and credit requirements are often different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Lewes, DE

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Lewes to show that you really do intend to buy. 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 seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Lewes. What are you waiting for? See how we can help you navigate your next home-buying experience!

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