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Finding Your Fit, Finding Your Rexburg Home Loan

Homes aren't one size fits all structures. Rexburg home loans aren’t either. Securing the correct fit for your needs 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, beginning with the mortgage loan process. We encourage you to continue reading for routine information about selecting a mortgage loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and try your best to improve your score. A not-so-great credit score could mean you'll have a higher interest rate on your mortgage loan. On the other hand, a strong credit score can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timing in which you'd like to make your move can all affect the type of home loan that fits your needs. So, what's out there to choose from?

Different Types of Home Loans in Rexburg, ID

There are several different types of home loans available to Rexburg 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 may be the perfect option 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 and FHA loans are both classified as government loans. Income and credit requirements are often 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. How do you know which home loan is the best for you? A trained loan officer can help you understand your options and next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Rexburg, ID

Get a Verified Approval Letter from your lender before you start shopping for homes in Rexburg 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. It can also show seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional now to talk about all things loan-related! We'll walk through everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Rexburg. What are you waiting for? Call now to get the super-smart help you want!

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