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Find the Affton, MO Home Loan That's Best for You

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On Your Way Toward a New Home Loan in Affton, MO

Houses aren't one size fits all. Affton home loans aren’t either. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our aim is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We hope you'll keep reading for routine details about picking your Affton home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A not-so-great credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit history, financial state, and the timeline you're looking to move can all be a factor in the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Affton, MO?

You may have options when it comes to Affton 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 loan may be the perfect option 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 and VA loans are both types of government loans. Credit and income requirements are often 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 home loan is right for you? A professional loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in Affton, MO with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start shopping for homes in Affton to demonstrate that you're a serious buyer. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. The letter can also carry more weight with the real estate agent and seller because they know you can buy the home. Contact a Mr. Cooper mortgage professional today to discuss everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Affton. Get started with the help you need!

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