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Compare Kirksville, MO Home Loans

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Get Started on Your Kirksville 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. Securing the correct fit for your needs requires some loan-to-loan comparisons! Mr. Cooper can help! Our mission is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to continue reading for introductory information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A not-so-great credit score might mean you are presented with a higher interest rate on your loan. On the other hand, a strong credit score can help you secure a better rate with your potential lender. Your credit strength, financial state, and the timing in which you're looking to move can all affect the type of home loan that fits your needs. So, what's out there to choose from?

Different Types of Home Loans in Kirksville, MO

There are several different types of home loans available to Kirksville home buyers: 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 fall into the government loan category. Credit and income requirements tend to have different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which home loan is right for you? A professional loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Start with a Preapproval Letter in Kirksville, MO

Get a Verified Approval Letter from your lender before you begin looking for houses in Kirksville to indicate that you really do intend to buy. 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. The letter can also carry more weight to sellers you can buy the home they’re selling. Call the mortgage team at Mr. Cooper 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 could be the perfect time for you to buy a house in Kirksville. Call now to get the super-smart help you want!

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