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Find the Lake Wales, FL Home Loan That's Best for You

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

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Get Started on Your Lake Wales Home Loan Journey

Homes aren't one size fits all structures. Lake Wales home loans aren’t either. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our goal is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to read on for routine information about selecting a mortgage loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and try your best to improve your score. A less-than-stellar credit score might mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you advocate for your best rate with a lender. Your credit score, finances, and and the timing in which you're looking to move can all affect the type of loan that matches your needs. So, what's out there to choose from?

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

You may have options when it comes to Lake Wales 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 loans and FHA loans are both classified as government loans. Income and credit requirements tend to have different criteria 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 one of these home loans is a good fit for you? A trained loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in Lake Wales, FL with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Lake Wales 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 chat about everything from your Verified Approval letter to your credit and loan options. Now could be the perfect time for you to buy a house in Lake Wales. See how we can help you navigate your next home-buying experience!

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