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Find a Home Loan in West Lafayette, IN

Ready to buy a house in West Lafayette 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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Get Started on Your West Lafayette Home Loan Journey

Houses aren't one size fits all. West Lafayette home loans aren’t either. Getting the best fit for you may require some comparison shopping! 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 encourage you to continue reading for basic information about finding a home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans 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 flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit history, financial state, and the timeline you wish to make your move can all affect the loan type that aligns with your goals. So, what's out there to choose from?

What Home Loan Options Do I Have in West Lafayette, IN?

There are several different types of home loans available to West Lafayette home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan could be a great route 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 types of government loans. Credit and salary/wage requirements tend to have different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. 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.

Begin in West Lafayette, IN with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in West Lafayette to show that you really do intend to buy. 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. Call the mortgage team at Mr. Cooper today to discuss 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 West Lafayette. Get started with the help you need!

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