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Find a Home Loan in Springfield, MO

Ready to buy a house in Springfield but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

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Get Started on Your Springfield Home Loan Journey

Houses aren't one size fits all. Neither are home loans in Springfield. Finding the right fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We hope you'll keep reading for routine details about picking your Springfield home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and try your best to improve your score. A low 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 negotiate your best rate with a potential lender. Your credit history, finances, and and the timeframe you'd like to make your move can all be a factor in the type of loan that matches your needs. So, what options are out there for you?

Different Types of Home Loans in Springfield, MO

Springfield home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan could be a great route 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 loans and VA loans are both classified as government loans. Credit and salary/wage requirements are usually a little more laid-back than conventional loans. Also, veterans, surviving spouses and active-duty service members 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 stage in the journey.

Get a Preapproval Letter Before You Shop in Springfield, MO

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Springfield to indicate that you're serious about buying a home. 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. 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 Springfield. What are you waiting for? Call now to get the super-smart help you want!

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With Mr. Cooper, you can get pre-approved for a mortgage and get into a new home sooner.