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Compare Saint Louis, MO Home Loans

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On Your Way Toward a New Home Loan in Saint Louis, MO

Houses aren't one size fits all. Neither are home loans in Saint Louis. Getting the best fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the mortgage loan process. We encourage you to read on for general information about finding a home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A less-than-stellar credit score may mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit history, financial situation, and the timing in which you wish to make your move can all influence the loan type that aligns with your goals. So, what options are out there for you?

What Types of Loans Are There in Saint Louis, MO?

There are several different types of home loans available to Saint Louis home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loans might be a good choice 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.

VA loans and FHA loans are both types of government loans. Credit and income 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. Which one of these home loans is a good fit for you? A trained loan officer can help you get to know your options and what comes next, depending on your position in the process.

Start with a Preapproval Letter in Saint Louis, MO

Secure a Verified Approval Letter from the lender before you start shopping for homes in Saint Louis to indicate that you've done your due diligence. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. The letter can also carry more weight with the real estate agent and seller because they know you can buy the home. Call the mortgage team at Mr. Cooper now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Saint Louis. What are you waiting for? Get started with the help you need!

Mr. Cooper Reviews for Saint Louis, MO

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