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

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Getting the Home Loan in Oxford, MS That's Best for You

Homes aren't one size fits all structures. Oxford home loans aren’t either. Getting the best 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, beginning with the mortgage loan process. We encourage you to read on for general details about picking your Oxford home loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and try your best to get it in tip-top shape. A low credit score may mean you'll have a higher interest rate on your mortgage loan. On the other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, finances, and and the timeline you'd like to make your move can all affect the type of home loan that fits your needs. So, what's out there to choose from?

What Types of Loans Are There in Oxford, MS?

Oxford home buyers have more than one type of home loan to choose from. There are: 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 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 types of government loans. Credit and salary/wage requirements are usually a little more different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses 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 stage in the journey.

Get a Preapproval Letter Before You Shop in Oxford, MS

Get a Verified Approval Letter from your lender before you start shopping for homes in Oxford to indicate that you're serious about buying a home. 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. The letter can also carry more weight with the real estate agent and seller because they’re know you can afford the home. Contact a Mr. Cooper mortgage professional today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Oxford. What are you waiting for? See how we can help you navigate your next home-buying experience!

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