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Compare Oxford, MA Home Loans

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

A home isn't a one size fits all kind of thing. The same can be said for home loans in Massachusetts. Securing the correct fit for your needs takes some shopping around! That’s where Mr. Cooper can help. Our aim is to keep the dream of homeownership alive starting with the mortgage loan process. We hope you'll keep reading for basic details about picking your Oxford home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A poor credit rating could mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit score, financial situation, and the timeline you'd like to make your move can all impact the loan type that aligns with your goals. So, what options are out there for you?

Different Types of Home Loans in Oxford, MA

You may have options when it comes to Oxford home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming 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.

FHA loans and VA 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. How do you know which home loan is the best for you? A loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in Oxford, MA with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Oxford 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 to sellers you can afford the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Oxford. What are you waiting for? Call now to get the super-smart help you want!

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