Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

Find a Home Loan in Lake City, FL

For all your Lake City home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Florida.

Busy? Have us call you back. Call Me Back

More Information

Getting the Home Loan in Lake City, FL That's Best for You

Houses aren't one size fits all. Neither are home loans in Lake City. Getting the best fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for basic information about selecting a mortgage loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and work to get it in tip-top shape. A less-than-stellar credit score may mean you end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit score, financial situation, and the timeline you'd like to make your move can all impact the type of loan that matches your needs. So, what loans can you pick from?

What Types of Loans Are There in Lake City, FL?

You may have options when it comes to Lake City home loans: 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 fall into the government loan category. Credit and salary/wage requirements tend to have 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 professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Start with a Preapproval Letter in Lake City, FL

Get a Verified Approval Letter from your lender before you begin looking for houses in Lake City to show that you really do intend to buy. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also show with the real estate agent and seller because they know you can afford the home. Give us a call today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Lake City. What are you waiting for? See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews for Lake City, FL

Take it from these happy Mr. Cooper mortgage customers in Lake City, FL: We love helping homeowners. Call now to see how we can serve you.

Overall Rating

out of 5 stars ( customer reviews)

We're here to support you on the path to home ownership.

Let Mr. Cooper help you prequalify for a mortgage and get the keys to your dream home.