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

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Getting the Home Loan in Shively, 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 goal 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 Shively home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A poor credit rating may mean you end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit strength, financial situation, 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's out there to choose from?

What Types of Loans Are There in Shively, KY?

Shively 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 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.

FHA and VA loans are both types of government loans. Credit and salary/wage requirements are often laid-back 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. How do you know which home loan is the best for you? A professional Mr. Cooper 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 Shively, KY

Secure a Verified Approval Letter from the lender before you begin looking for houses in Shively to show that you're serious about buying a home. 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. Contact a Mr. Cooper mortgage professional 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 could be the perfect time for you to buy a house in Shively. See how we can help you navigate your next home-buying experience!

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