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Apply for a Home Loan in Ferguson, MO

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

A home isn't a one size fits all kind of thing. The same can be said for home loans in Missouri. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We hope you'll keep reading for general information about finding a home loan, but also reach out to Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A low credit score might mean you are presented with a higher interest rate on your loan. On the other hand, a high credit score can help you negotiate your best rate with a potential lender. Your credit score, financial situation, and the timeframe you're looking to move can all affect the loan type that aligns with your goals. So, what options are out there for you?

Different Types of Home Loans in Ferguson, MO

Ferguson 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 loans might be a good choice 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.

VA loans and FHA 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 loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Ferguson, MO

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Ferguson to demonstrate that you've done your due diligence. 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 show seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper 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 Ferguson. See how we can help you navigate your next home-buying experience!

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