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Compare Lawrence, KS Home Loans

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Finding Your Fit, Finding Your Lawrence Home Loan

Houses aren't one size fits all. Neither are home loans in Lawrence. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to continue reading for general information about finding a home 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 less-than-stellar credit score might mean you'll have a higher interest rate on your mortgage loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit history, financial state, and the timeline you'd like to make your move can all impact the type of home loan that fits your needs. So, what loans can you pick from?

What Home Loan Options Do I Have in Lawrence, KS?

There are several different types of home loans available to Lawrence 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 loan may be the perfect option 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 types of government loans. Credit and salary/wage requirements are often 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 loan officer can help you understand your options and next steps, depending on where you are on your journey.

Begin in Lawrence, KS with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Lawrence to demonstrate that you really do intend to buy. A Verified Approval Letter is proof that your finances have been reviewed by the lender, and you have an estimate of how much you can buy. It can also speed up with the real estate agent and seller because they know you can buy the home. Contact a Mr. Cooper mortgage professional today to chat about everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Lawrence. Get started with the help you need!

Lawrence, KS Mr. Cooper Reviews

Take it from these happy Mr. Cooper mortgage customers in Lawrence, KS: We love helping homeowners. Call now to see how we can serve you.

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