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Find a Home Loan in East Point, GA

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Get Started on Your East Point Home Loan Journey

Houses aren't one size fits all. Neither are home loans in East Point. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. 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 information about selecting a mortgage loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. A less-than-stellar credit score might mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit score, financial situation, and the timeframe you wish to make your move can all influence the loan type that aligns with your goals. So, what loans can you pick from?

What Types of Loans Are There in East Point, GA?

There are several different types of home loans available to East Point 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 may be the perfect option 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 and VA loans are both classified as government loans. Credit and income requirements tend to have different criteria 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 one of these home loans is a good fit for you? A trained loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Begin in East Point, GA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in East Point to demonstrate that you really do intend to buy. 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 to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper today to chat about 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 East Point. See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews from Real Customers in East Point, GA

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