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Getting the Home Loan in Elizabethtown, KY That's Best for You

Houses aren't one size fits all. The same can be said for home loans in Kentucky. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our mission is to keep the dream of homeownership alive starting with the loan process. We hope you'll keep reading for general details about picking your Elizabethtown home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A low credit score could 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, finances, and and the timing in which you wish to make your move can all be a factor in the type of loan that matches your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Elizabethtown, KY?

Elizabethtown 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 loans might be a good choice 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 and VA loans are both types of government loans. 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. Which one of these home loans is a good fit for you? A professional Mr. Cooper loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Elizabethtown, KY

Secure a Verified Approval Letter from the lender before you begin looking for houses in Elizabethtown to indicate that you're serious about buying a home. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. It can also show to sellers you can afford the home they’re selling. Give us a call today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Elizabethtown. What are you waiting for? Call now to get the super-smart help you want!

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