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Find a Home Loan in Lithia Springs, GA

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Get Started on Your Lithia Springs Home Loan Journey

Homes aren't one size fits all structures. Lithia Springs home loans aren’t either. Securing the correct fit for your needs takes some shopping around! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for general details about picking your Lithia Springs 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 work to get it in tip-top shape. A low credit score might mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you advocate for your best rate with a lender. Your credit score, financial state, and the timeframe you wish to make your move can all be a factor in the type of home loan that fits your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Lithia Springs, GA?

There are several different types of home loans available to Lithia Springs 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 fall into the government loan category. Income and credit requirements are usually a little more different 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. How do you know which home loan is the best for you? A loan officer can help you understand your options and next steps, depending on where you are on your journey.

Begin in Lithia Springs, GA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Lithia Springs to indicate that you've done your due diligence. 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. The letter can also carry more weight to sellers you can afford the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Lithia Springs. What are you waiting for? Get started with the help you need!

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