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Compare Lewiston, ME Home Loans

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Get Started on Your Lewiston Home Loan Journey

A home isn't a one size fits all kind of thing. The same can be said for home loans in Maine. 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 loan process. We encourage you to read on for routine details about picking your Lewiston home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A low credit score might 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 state, and the timeframe you're looking to move can all be a factor in the type of loan that matches your needs. So, what options are out there for you?

Different Types of Home Loans in Lewiston, ME

Lewiston home buyers have more than one type of home loan to choose from. There are: 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 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.

VA and FHA loans are both types of government loans. Credit and salary/wage requirements are usually a little more 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. Which home loan is right for you? A trained loan officer can help you understand your options and next steps, depending on your position in the process.

Start with a Preapproval Letter in Lewiston, ME

Secure a Verified Approval Letter from the lender before you start shopping for homes in Lewiston to demonstrate 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 show seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Lewiston. What are you waiting for? Call now to get the super-smart help you want!

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