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On Your Way Toward a New Home Loan in Jackson, MS

A home isn't a one size fits all kind of thing. The same can be said for home loans in Mississippi. Securing the correct fit for your needs takes some shopping around! That’s where 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 hope you'll keep reading for routine information about finding a home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A poor credit rating might mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you advocate for your best rate with a lender. Your credit strength, financial state, and the timeframe you're looking to move can all influence the type of home loan that fits your needs. So, what options are out there for you?

Different Types of Home Loans in Jackson, MS

You may have options when it comes to Jackson 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 loans might be a good choice 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 tend to have different 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 professional 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 Jackson, MS

Get a Verified Approval Letter from your lender before you begin looking for houses in Jackson to demonstrate that you've done your due diligence. 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. Give us a call today to discuss everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Jackson. Get started with the help you need!

Mr. Cooper Reviews from Real Customers in Jackson, MS

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