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Getting the Home Loan in Blakely, GA That's Best for You

Homes aren't one size fits all structures. Blakely home loans aren’t either. Getting the best fit for you takes some shopping around! That's where Mr. Cooper comes in. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to continue reading for general information about selecting a mortgage loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and try your best to improve your score. A less-than-stellar credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit score, finances, and and the timeline you're looking to move can all impact the type of loan that matches your needs. So, what loans can you pick from?

What Types of Loans Are There in Blakely, GA?

Blakely home buyers have more than one type of home loan to choose from. There are: 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 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 and VA loans are both types of government loans. Income and credit requirements are often laid-back 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 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.

Begin in Blakely, GA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Blakely to show 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. It can also speed up to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss 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 Blakely. See how we can help you navigate your next home-buying experience!

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