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Find the Augusta, GA Home Loan That's Best for You

Ready to buy a house in Augusta but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

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Finding Your Fit, Finding Your Augusta Home Loan

Houses aren't one size fits all. The same can be said for home loans in Georgia. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our aim is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to continue reading for general information about finding a home loan, but also reach out to Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A low credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit strength, financial situation, and the timeline you'd like to make your move can all impact the loan type that aligns with your goals. So, what options are out there for you?

What Home Loan Options Do I Have in Augusta, GA?

You may have options when it comes to Augusta 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 loans might be a good choice for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

VA loans and FHA loans are both types of government loans. Income and credit 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. How do you know which home loan is the best for you? A professional Mr. Cooper loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Augusta, GA

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Augusta to indicate that you've done your due diligence. 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. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper 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 Augusta. Call now to get the super-smart help you want!

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