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Find the Lansing, MI Home Loan That's Best for You

Ready to buy a house in Lansing 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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On Your Way Toward a New Home Loan in Lansing, MI

Houses aren't one size fits all. The same can be said for home loans in Michigan. Finding the right fit for you takes some shopping around! That's where Mr. Cooper comes in. Our mission is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We hope you'll keep reading for basic information about finding a home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and work to get it in tip-top shape. A less-than-stellar credit score could mean you'll have a higher interest rate on your mortgage loan. On the other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit strength, financial situation, and the timing in which you wish to make your move can all influence the type of loan that matches your needs. So, what loans can you pick from?

What Home Loan Options Do I Have in Lansing, MI?

Lansing 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 are both classified as government loans. Credit and salary/wage requirements are often different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which home loan is right for you? A professional loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Lansing, MI

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Lansing to indicate that you're a serious buyer. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also speed up seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional 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. It could be the perfect season for you to buy a new house in Lansing. See how we can help you navigate your next home-buying experience!

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