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Apply for a Home Loan in Marshalltown, IA

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

Homes aren't one size fits all structures. Marshalltown home loans aren’t either. Securing the correct fit for your needs takes some shopping around! That’s where Mr. Cooper can help. Our mission is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We hope you'll keep reading for general information about finding a home loan, but also reach out to 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 low credit score might mean you'll have a higher interest rate on your mortgage loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit history, financial state, and the timeline you're looking to move can all affect the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Marshalltown, IA

You may have options when it comes to Marshalltown home loans: 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 you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

VA and FHA loans fall into the government loan category. Credit and salary/wage requirements are usually a little more different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Start with a Preapproval Letter in Marshalltown, IA

Secure a Verified Approval Letter from the lender before you start shopping for homes in Marshalltown to show that you really do intend to buy. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. It can also show with the real estate agent and seller because they know you can afford the home. Give us a call today to chat about everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Marshalltown. What are you waiting for? See how we can help you navigate your next home-buying experience!

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