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Find a Home Loan in Oakdale, MN

For all your Oakdale home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Minnesota.

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On Your Way Toward a New Home Loan in Oakdale, MN

Houses aren't one size fits all. The same can be said for home loans in Minnesota. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our mission is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for introductory information about finding a home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A not-so-great credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, financial state, and the timing in which you wish to make your move can all be a factor in the type of home loan that fits your needs. So, what's out there to choose from?

Different Types of Home Loans in Oakdale, MN

You may have options when it comes to Oakdale 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 loan could be a great route 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.

FHA and VA loans are both classified as government loans. Income and credit 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. How do you know which home loan is the best for you? A professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on your position in the process.

Start with a Preapproval Letter in Oakdale, MN

Get a Verified Approval Letter from your lender before you begin looking for houses in Oakdale to indicate that you've done your due diligence. 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 today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Oakdale. What are you waiting for? Call now to get the super-smart help you want!

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