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Find a Home Loan in Lake Mary, FL

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

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

A home isn't a one size fits all kind of thing. Lake Mary home loans aren’t either. Securing the correct fit for your needs may require some comparison shopping! 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 continue reading for general information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A not-so-great credit score might mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit strength, financial state, and the timing in which you're looking to move can all be a factor in the type of loan that matches your needs. So, what loans can you pick from?

What Home Loan Options Do I Have in Lake Mary, FL?

There are several different types of home loans available to Lake Mary home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loans might be a good choice 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 types of government loans. Credit and salary/wage requirements are often laid-back than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. Which home loan is right for you? A professional loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Begin in Lake Mary, FL with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start going to Open Houses in Lake Mary to show 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 show seller’s you’re serious about the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Lake Mary. What are you waiting for? Call now to get the super-smart help you want!

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