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Compare Ankeny, IA Home Loans

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Get Started on Your Ankeny Home Loan Journey

Homes aren't one size fits all structures. Ankeny home loans aren’t either. 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 encourage you to continue reading for basic information about selecting a mortgage 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 try your best to improve your score. A not-so-great credit score may mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit strength, finances, and and the timing in which you're looking to move can all be a factor in the loan type that aligns with your goals. So, what loans can you pick from?

Different Types of Home Loans in Ankeny, IA

Ankeny home buyers have more than one type of home loan to choose from. There are: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loans might be a good choice 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.

VA loans and FHA loans fall into the government loan category. Income and credit requirements are usually a little more 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 compare loans and plan your next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Ankeny, IA

Secure a Verified Approval Letter from the lender before you start shopping for homes in Ankeny to show that you're a serious buyer. 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 speed up 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. It could be the perfect season for you to buy a new house in Ankeny. Call now to get the super-smart help you want!

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