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Compare Baltimore, MD Home Loans

Ready to buy a house in Baltimore but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

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Finding Your Fit, Finding Your Baltimore Home Loan

A home isn't a one size fits all kind of thing. Baltimore home loans aren’t either. Finding the right fit for you may require some comparison shopping! Mr. Cooper can help! Our mission is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to read on for basic details about picking your Baltimore home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and work to get it in tip-top shape. A poor credit rating might mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you advocate for your best rate with a lender. Your credit score, financial state, and the timeline you'd like to make your move can all influence the loan type that aligns with your goals. So, what's out there to choose from?

What Types of Loans Are There in Baltimore, MD?

You may have options when it comes to Baltimore home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loans might be a good choice for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

VA and FHA loans fall into the government loan category. Credit and income 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. Which home loan is right for you? A professional loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in Baltimore, MD with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Baltimore to indicate 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 show seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Baltimore. Call now to get the super-smart help you want!

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