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Compare St. Matthews, KY Home Loans

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Getting the Home Loan in St. Matthews, KY That's Best for You

Homes aren't one size fits all structures. St. Matthews home loans aren’t either. Finding the right fit for you requires some loan-to-loan comparisons! 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 continue reading for routine information about finding a home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and try your best to improve your score. A low credit score could mean you'll have a higher interest rate on your mortgage loan. On the flip side, a higher credit rating can help you advocate for your best rate with a lender. Your credit history, financial situation, and the timing in which you wish to make your move can all impact the loan type that aligns with your goals. So, what's out there to choose from?

What Types of Loans Are There in St. Matthews, KY?

You may have options when it comes to St. Matthews home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline 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 loans and VA loans fall into the government loan category. Credit and income requirements are usually a little more different than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A trained loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Begin in St. Matthews, KY with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you begin looking for houses in St. Matthews to show 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 speed up with the real estate agent and seller because they know you can afford the home. Contact a Mr. Cooper mortgage professional 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 St. Matthews. What are you waiting for? Call now to get the super-smart help you want!

Mr. Cooper Reviews from Real Customers in St. Matthews, KY

Take it from these happy Mr. Cooper mortgage customers in St. Matthews, KY: We love helping homeowners. Call now to see how we can serve you.

We're here to support you on the path to home ownership.

With Mr. Cooper, you can get pre-approved for a mortgage and get into a new home sooner.