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Find a Home Loan in Fort Myers, FL

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On Your Way Toward a New Home Loan in Fort Myers, FL

Homes aren't one size fits all structures. The same can be said for home loans in Florida. Getting the best 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 mortgage loan process. We hope you'll keep reading for introductory information about finding a home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A less-than-stellar credit score could mean you end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, finances, and and the timeline you'd like to make your move can all affect the type of home loan that fits your needs. So, what's out there to choose from?

Different Types of Home Loans in Fort Myers, FL

Fort Myers 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 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 loans and FHA loans are both classified as government loans. Credit and salary/wage requirements are often 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 professional Mr. Cooper loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Fort Myers, FL

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Fort Myers 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 seller’s you’re serious about the home they’re selling. Give us a call today to chat about everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Fort Myers. What are you waiting for? Call now to get the super-smart help you want!

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