Special Offers From Mr. Cooper

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

Apply for a Home Loan in Zephyrhills, FL

For all your Zephyrhills 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

On Your Way Toward a New Home Loan in Zephyrhills, FL

Houses aren't one size fits all. Neither are home loans in Zephyrhills. Getting the best fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our aim is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the mortgage loan process. We hope you'll keep reading for basic details about picking your Zephyrhills home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans 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 other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, financial state, 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 Zephyrhills, FL?

There are several different types of home loans available to Zephyrhills home buyers: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming 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.

FHA loans and VA loans are both classified as government loans. Credit and salary/wage requirements tend to have laid-back than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A trained loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Start with a Preapproval Letter in Zephyrhills, FL

Secure a Verified Approval Letter from the lender before you begin looking for houses in Zephyrhills to demonstrate 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 speed up seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Zephyrhills. Call now to get the super-smart help you want!

Mr. Cooper Reviews for Zephyrhills, FL

Take it from these happy Mr. Cooper mortgage customers in Zephyrhills, 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.

Work with Mr. Cooper to get pre-qualified and get into the home of your dreams.