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Find the West Des Moines, IA Home Loan That's Best for You

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Getting the Home Loan in West Des Moines, IA That's Best for You

Houses aren't one size fits all. The same can be said for home loans in Iowa. Getting the best fit for you takes some shopping around! That's where Mr. Cooper comes in. Our aim is to transform the homeownership journey into an enjoyable one, starting with the loan process. We hope you'll keep reading for general information about selecting a mortgage loan, but also contact 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 other hand, a higher credit rating can help you advocate for your best rate with a lender. Your credit strength, financial situation, and the timeframe you'd like to make your move can all be a factor in the type of home loan that fits your needs. So, what's out there to choose from?

Different Types of Home Loans in West Des Moines, IA

West Des Moines home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loan may be the perfect option 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 loans and FHA loans are both classified as government loans. Credit and income requirements are usually a little more laid-back than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A professional loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in West Des Moines, IA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in West Des Moines to demonstrate that you really do intend to buy. 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. Give us a call today to discuss 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 West Des Moines. Get started with the help you need!

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