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Compare Missouri, MO Home Loans

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

A home isn't a one size fits all kind of thing. Neither are home loans in Missouri. Getting the best fit for you takes some shopping around! That's where Mr. Cooper comes in. Our aim is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to continue reading for basic 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 try your best to improve your score. A less-than-stellar credit score might mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit score, financial situation, 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?

Different Types of Home Loans in Missouri, MO

There are several different types of home loans available to Missouri home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline 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 loans and VA loans are both classified as government loans. Credit and salary/wage requirements are usually a little more different criteria than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. Which home loan is right 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 Missouri, MO

Secure a Verified Approval Letter from the lender before you begin looking for houses in Missouri to show that you're a serious buyer. 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. The letter can also carry more weight to sellers you can buy the home they’re selling. Give us a call today to discuss everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Missouri. See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews for Missouri, MO

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