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Apply for a Home Loan in Maryland Heights, MO

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Get Started on Your Maryland Heights Home Loan Journey

Homes aren't one size fits all structures. Maryland Heights home loans aren’t either. Finding the right fit for you takes some shopping around! That’s where Mr. Cooper can help. Our mission is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to read on for general information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage professional for any questions you may 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 end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit score, finances, and and the timeframe you're looking to move can all be a factor in the loan type that aligns with your goals. So, what's out there to choose from?

What Types of Loans Are There in Maryland Heights, MO?

There are several different types of home loans available to Maryland Heights 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 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.

FHA and VA loans are both types of government loans. Credit and salary/wage requirements tend to have 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 professional loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Maryland Heights, MO

Get a Verified Approval Letter from your lender before you begin looking for houses in Maryland Heights to indicate that you really do intend to buy. 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 speed up seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional 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 Maryland Heights. See how we can help you navigate your next home-buying experience!

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