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Apply for a Home Loan in Urbandale, IA

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Finding Your Fit, Finding Your Urbandale Home Loan

A home isn't a one size fits all kind of thing. Urbandale home loans aren’t either. Securing the correct fit for your needs takes some shopping around! That's where Mr. Cooper comes in. Our mission is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to continue reading for routine information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to improve your score. A poor credit rating might mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit score, financial state, and the timeframe you're looking to move can all impact the loan type that aligns with your goals. So, what's out there to choose from?

What Home Loan Options Do I Have in Urbandale, IA?

You may have options when it comes to Urbandale home loans: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loans might be a good choice 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.

FHA and VA loans fall into the government loan category. Credit and salary/wage requirements are usually a little more laid-back 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 loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Begin in Urbandale, IA with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Urbandale 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 seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Urbandale. Call now to get the super-smart help you want!

Urbandale, IA Mr. Cooper Reviews

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