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Find the Bowling Green, KY Home Loan That's Best for You

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Finding Your Fit, Finding Your Bowling Green Home Loan

Houses aren't one size fits all. Bowling Green home loans aren’t either. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our mission is to transform the homeownership journey into an enjoyable one, starting with the loan process. We hope you'll keep reading for introductory 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 get it in tip-top shape. A less-than-stellar credit score may mean you'll have a higher interest rate on your mortgage loan. On the flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit history, financial situation, and the timeline you wish to make your move can all affect the type of home loan that fits your needs. So, what's out there to choose from?

Different Types of Home Loans in Bowling Green, KY

There are several different types of home loans available to Bowling Green home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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.

VA loans and FHA loans are both classified as government loans. Credit and salary/wage requirements are often different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A professional loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Bowling Green, KY

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Bowling Green to demonstrate that you're serious about buying a home. 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 seller’s you’re serious about the home they’re selling. 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 Bowling Green. Call now to get the super-smart help you want!

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