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Find a Home Loan in Cape Girardeau, MO

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Get Started on Your Cape Girardeau Home Loan Journey

A home isn't a one size fits all kind of thing. The same can be said for home loans in Missouri. Getting the best fit for you takes some shopping around! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to read on for basic 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 not-so-great credit score could mean you'll have a higher interest rate on your mortgage loan. On the other hand, a higher credit rating can help you advocate for your best rate with a lender. Your credit score, financial state, and the timeframe you'd like to make your move can all affect the type of home loan that fits your needs. So, what options are out there for you?

Different Types of Home Loans in Cape Girardeau, MO

Cape Girardeau home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loans might be a good choice 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 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 one of these home loans is a good fit for you? A trained loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Start with a Preapproval Letter in Cape Girardeau, MO

Secure a Verified Approval Letter from the lender before you begin looking for houses in Cape Girardeau to indicate that you're a serious buyer. 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 show to sellers you can buy the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Cape Girardeau. What are you waiting for? See how we can help you navigate your next home-buying experience!

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