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Apply for a Home Loan in Jackson, MO

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Getting the Home Loan in Jackson, MO That's Best for You

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 takes some shopping around! That’s where Mr. Cooper can help. Our mission is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to continue reading for general details about picking your Jackson 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 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 strong credit score can help you advocate for your best rate with a lender. Your credit score, finances, and and the timing in which you'd like to make your move can all impact the type of home loan that fits your needs. So, what options are out there for you?

What Types of Loans Are There in Jackson, MO?

You may have options when it comes to Jackson home loans: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan may be the perfect option 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 and FHA loans fall into the government loan category. Income and credit requirements are usually a little more different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A trained 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 Jackson, MO

Secure a Verified Approval Letter from the lender before you start shopping for homes in Jackson to show that you've done your due diligence. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. It can also show seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Jackson. What are you waiting for? See how we can help you navigate your next home-buying experience!

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