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Apply for a Home Loan in Shawnee, KS

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On Your Way Toward a New Home Loan in Shawnee, KS

Houses aren't one size fits all. Shawnee home loans aren’t either. Securing the correct fit for your needs may require some comparison shopping! That's where Mr. Cooper comes in. Our aim is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We hope you'll keep reading for introductory details about picking your Shawnee 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 improve your score. A not-so-great credit score could mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you secure a better rate with your potential lender. Your credit history, financial state, and the timeframe you wish to make your move can all be a factor in the type of home loan that fits your needs. So, what options are out there for you?

Different Types of Home Loans in Shawnee, KS

You may have options when it comes to Shawnee home loans: 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 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 one of these home loans is a good fit for you? A trained loan officer can help you understand your options and next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Shawnee, KS

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Shawnee 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. Give us a call now to talk about all things loan-related! We'll walk through everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Shawnee. What are you waiting for? Get started with the help you need!

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