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Apply for a Home Loan in Florence, KY

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Finding Your Fit, Finding Your Florence Home Loan

A home isn't a one size fits all kind of thing. Neither are home loans in Florence. Securing the correct fit for your needs takes some shopping around! 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 mortgage loan process. We encourage you to read on for introductory information about finding a home loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A less-than-stellar credit score may mean you end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit strength, financial state, and the timing in which you'd like to make your move can all impact the type of loan that matches your needs. So, what options are out there for you?

Different Types of Home Loans in Florence, KY

There are several different types of home loans available to Florence home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan may be the perfect option for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA and VA loans fall into the government loan category. Credit and salary/wage requirements tend to have different than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A trained loan officer can help you understand your options and next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Florence, KY

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Florence to show that you're a serious buyer. 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. Call the mortgage team at Mr. Cooper today to discuss 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 Florence. See how we can help you navigate your next home-buying experience!

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