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Find the West Palm Beach, FL Home Loan That's Best for You

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On Your Way Toward a New Home Loan in West Palm Beach, FL

Houses aren't one size fits all. Neither are home loans in West Palm Beach. Finding the right 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 loan process. We hope you'll keep reading for introductory information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and try your best to improve your score. A low credit score might mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit score, finances, and and the timeframe you wish to make your move can all be a factor in the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in West Palm Beach, FL?

You may have options when it comes to West Palm Beach home loans: 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 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 types of government loans. Credit and salary/wage requirements tend to have different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A trained loan officer can help you understand your options and next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in West Palm Beach, FL

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in West Palm Beach to demonstrate that you've done your due diligence. 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 with the real estate agent and seller because they’re know you can afford the home. Call the mortgage team at Mr. Cooper today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in West Palm Beach. Call now to get the super-smart help you want!

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