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Find a Home Loan in Lakeland, FL

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

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

Houses aren't one size fits all. Neither are home loans in Lakeland. Getting the best fit for you requires some loan-to-loan comparisons! 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 general information about finding a home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A less-than-stellar credit score could mean you are presented with a higher interest rate on your loan. On the other hand, a high credit score can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timeline you'd like to make your move can all influence the loan type that aligns with your goals. So, what loans can you pick from?

What Home Loan Options Do I Have in Lakeland, FL?

Lakeland home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan could be a great route 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.

FHA loans and VA loans are both types of government loans. Credit and salary/wage requirements are usually a little more different criteria 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 loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Lakeland, FL

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Lakeland to demonstrate that you're a serious buyer. A Verified Approval Letter is proof that your finances have been reviewed by the lender, and you have 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 credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Lakeland. Call now to get the super-smart help you want!

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