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Apply for a Home Loan in Woodbury, MN

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Get Started on Your Woodbury Home Loan Journey

A home isn't a one size fits all kind of thing. Woodbury home loans aren’t either. Getting the best fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our mission is to keep the dream of homeownership alive starting with the loan process. We hope you'll keep reading for basic details about picking your Woodbury home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and try your best to improve your score. A less-than-stellar credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit strength, financial state, and the timing in which you're looking to move can all affect the type of home loan that fits your needs. So, what's out there to choose from?

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

There are several different types of home loans available to Woodbury home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan may be the perfect option 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 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. 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 loan officer can help you understand your options and next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Woodbury, MN

Get a Verified Approval Letter from your lender before you start going to Open Houses in Woodbury to show 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 to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper 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 Woodbury. What are you waiting for? Get started with the help you need!

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