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

For all your Columbia home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Missouri.

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

A home isn't a one size fits all kind of thing. Neither are home loans in Columbia. Securing the correct fit for your needs takes some shopping around! That’s where Mr. Cooper can help. Our aim is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to continue reading for routine information about finding a home loan, but also reach out to Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and work to get it in tip-top shape. A low credit score may mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit strength, financial situation, and the timeline you wish to make your move can all be a factor in the loan type that aligns with your goals. So, what options are out there for you?

Different Types of Home Loans in Columbia, MO

Columbia 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 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 loans and VA loans fall into the government loan category. Credit and income requirements are usually a little more laid-back 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 trained loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Start with a Preapproval Letter in Columbia, MO

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Columbia 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. It can also speed up to sellers you can buy the home they’re selling. Give us a call today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Columbia. Get started with the help you need!

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