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Apply for a Home Loan in Des Moines, IA

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On Your Way Toward a New Home Loan in Des Moines, IA

Houses aren't one size fits all. Neither are home loans in Des Moines. Securing the correct fit for your needs may require some comparison shopping! That’s where Mr. Cooper can help. Our mission is to keep the dream of homeownership alive starting with the loan process. We encourage you to read on for basic details about picking your Des Moines home loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and try your best to improve your score. A poor credit rating may 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 history, finances, and and the timeline you wish to make your move can all impact the type of home loan that fits your needs. So, what options are out there for you?

What Types of Loans Are There in Des Moines, IA?

There are several different types of home loans available to Des Moines home buyers: 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.

FHA loans and VA loans are both classified as government loans. Credit and income 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. Which home loan is right for you? A loan officer can help you understand your options and next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Des Moines, IA

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Des Moines to demonstrate that you're a serious buyer. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also show to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about 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 Des Moines. Get started with the help you need!

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