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Find the Hattiesburg, MS Home Loan That's Best for You

Ready to buy a house in Hattiesburg 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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Finding Your Fit, Finding Your Hattiesburg Home Loan

A home isn't a one size fits all kind of thing. Hattiesburg home loans aren’t either. Finding the right fit for you may require some comparison shopping! Mr. Cooper can help! Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the mortgage loan process. We encourage you to continue reading for introductory information about finding a home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and try your best to improve your score. A low credit score may mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit strength, finances, and and the timeframe you wish to make your move can all be a factor in the loan type that aligns with your goals. So, what's out there to choose from?

What Types of Loans Are There in Hattiesburg, MS?

There are several different types of home loans available to Hattiesburg home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. 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.

VA and FHA loans are both types of government loans. Income and credit requirements are usually a little more 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 one of these home loans is a good fit for you? A loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Begin in Hattiesburg, MS with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Hattiesburg to show 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. The letter can also carry more weight 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 credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Hattiesburg. Get started with the help you need!

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