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Find the Stillwater, MN Home Loan That's Best for You

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

Homes aren't one size fits all structures. Stillwater home loans aren’t either. Getting the best fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our goal 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 routine details about picking your Stillwater 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 not-so-great credit score may 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 state, and the timeframe you wish to make your move can all influence the type of loan that matches your needs. So, what's out there to choose from?

What Home Loan Options Do I Have in Stillwater, MN?

You may have options when it comes to Stillwater 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 may be the perfect option for you if your income and employment history are stable, your credit is healthy, and you're going to make a down payment of at least 3% depending on your situation.

VA loans and FHA loans are both classified as government loans. Credit and salary/wage requirements are usually a little more different than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A trained loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Stillwater, MN

Get a Verified Approval Letter from your lender before you start going to Open Houses in Stillwater to indicate that you really do intend to buy. 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. It can also show with the real estate agent and seller because they know you can afford the home. Call the mortgage team at Mr. Cooper today to discuss 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 Stillwater. Get started with the help you need!

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