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Find the Johnston, IA Home Loan That's Best for You

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Getting the Home Loan in Johnston, IA That's Best for You

Homes aren't one size fits all structures. The same can be said for home loans in Iowa. Getting the best fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our mission is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to read on for basic details about picking your Johnston home 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 get it in tip-top shape. A less-than-stellar credit score could mean you'll have a higher interest rate on your mortgage loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit score, finances, and and the timeline you'd like to make your move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Johnston, IA

There are several different types of home loans available to Johnston 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 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. Credit and income requirements tend to have 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 where you are on your journey.

Begin in Johnston, IA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Johnston to demonstrate that you've done your due diligence. 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 speed up to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper 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 Johnston. Get started with the help you need!

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