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Apply for a Home Loan in O'Fallon, MO

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On Your Way Toward a New Home Loan in O'Fallon, MO

Houses aren't one size fits all. Neither are home loans in O'Fallon. Finding the right fit for you may require some comparison shopping! 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 basic information about selecting a mortgage loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and try your best 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 advocate for your best rate with a lender. Your credit strength, financial state, and the timeframe 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 O'Fallon, MO

You may have options when it comes to O'Fallon home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan could be a great route 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 types of government loans. Credit and income requirements tend to have 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 professional loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in O'Fallon, MO

Secure a Verified Approval Letter from the lender before you start shopping for homes in O'Fallon to indicate that you really do intend to buy. 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 to sellers you can buy the home they’re selling. Call the mortgage team at Mr. Cooper 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 O'Fallon. What are you waiting for? Call now to get the super-smart help you want!

Mr. Cooper Reviews for O'Fallon, MO

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