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Find a Home Loan in London, KY

Ready to move? Let's do it. Compare home loans in London, KY with Mr. Cooper. We'll help you every step of the way.

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Finding Your Fit, Finding Your London Home Loan

Houses aren't one size fits all. Neither are home loans in London. Getting the best fit for you requires some loan-to-loan comparisons! Mr. Cooper can help! Our aim is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for general information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A low credit score could mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you advocate for your best rate with a lender. Your credit strength, financial situation, and the timeframe you're looking to move can all be a factor in the type of home loan that fits your needs. So, what options are out there for you?

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

There are several different types of home loans available to London 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 could be a great route 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 are both classified as government loans. Credit and salary/wage requirements tend to have different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which home loan is right for you? A professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Start with a Preapproval Letter in London, KY

Secure a Verified Approval Letter from the lender before you start going to Open Houses in London to show 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 to sellers you can afford the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in London. What are you waiting for? Call now to get the super-smart help you want!

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