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Compare Decatur, GA Home Loans

Ready to buy a house in Decatur 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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On Your Way Toward a New Home Loan in Decatur, GA

A home isn't a one size fits all kind of thing. The same can be said for home loans in Georgia. Finding the right fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for introductory 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 get it in tip-top shape. A not-so-great credit score might mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you advocate for your best rate with a lender. Your credit score, financial state, and the timing in which you wish to make your move can all affect the loan type that aligns with your goals. So, what options are out there for you?

What Types of Loans Are There in Decatur, GA?

There are several different types of home loans available to Decatur home buyers: 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 classified as government loans. Income and credit requirements tend to have different than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Begin in Decatur, GA with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you begin looking for houses in Decatur to indicate that you're a serious buyer. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. The letter can also carry more weight with the real estate agent and seller because they’re know you can afford the home. Give us a call today to chat about everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Decatur. Call now to get the super-smart help you want!

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