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Apply for a Home Loan in Aberdeen, MD

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On Your Way Toward a New Home Loan in Aberdeen, MD

Houses aren't one size fits all. Neither are home loans in Aberdeen. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for basic information about finding a 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 could mean you end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you advocate for your best rate with a lender. Your credit history, financial state, and the timeline you'd like to make your 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 Aberdeen, MD?

Aberdeen 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 may be the perfect option 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 fall into the government loan category. Credit and salary/wage requirements are usually a little more laid-back than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional Mr. Cooper loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Start with a Preapproval Letter in Aberdeen, MD

Get a Verified Approval Letter from your lender before you begin looking for houses in Aberdeen to show that you're a serious buyer. 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 to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Aberdeen. What are you waiting for? See how we can help you navigate your next home-buying experience!

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