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On Your Way Toward a New Home Loan in Ashland, MA

A home isn't a one size fits all kind of thing. The same can be said for home loans in Massachusetts. Getting the best fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We hope you'll keep reading for basic information about finding a home loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A low credit score may 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, finances, and 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 options are out there for you?

Different Types of Home Loans in Ashland, MA

Ashland home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan could be a great route 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.

FHA and VA loans fall into the government loan category. Credit and salary/wage requirements are usually a little more different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Ashland, MA

Get a Verified Approval Letter from your lender before you begin looking for houses in Ashland to indicate 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. The letter can also carry more weight with the real estate agent and seller because they’re know you can afford the home. Call the mortgage team at Mr. Cooper today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Ashland. See how we can help you navigate your next home-buying experience!

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