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Find a Home Loan in Southaven, MS

Ready to buy a house in Southaven 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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On Your Way Toward a New Home Loan in Southaven, MS

A home isn't a one size fits all kind of thing. Neither are home loans in Southaven. Getting the best fit for you requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for general details about picking your Southaven home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, 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 other hand, a strong credit score can help you secure a better rate with your potential lender. Your credit history, financial state, and the timeframe you'd like to make your move can all be a factor in the type of home loan that fits your needs. So, what's out there to choose from?

Different Types of Home Loans in Southaven, MS

Southaven 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 could be a great route 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.

FHA loans and VA loans are both classified as government loans. Credit and income 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 home loan is right for you? A loan officer can help you understand your options and next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Southaven, MS

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Southaven to demonstrate 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 speed up seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Southaven. Get started with the help you need!

Mr. Cooper Reviews from Real Customers in Southaven, MS

Take it from these happy Mr. Cooper mortgage customers in Southaven, MS: We love helping homeowners. Call now to see how we can serve you.

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