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Find the St. Joseph, MO Home Loan That's Best for You

For all your St. Joseph home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Missouri.

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Get Started on Your St. Joseph Home Loan Journey

Homes aren't one size fits all structures. Neither are home loans in St. Joseph. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our aim is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to read on for basic information about selecting a mortgage loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

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 strong credit score can help you negotiate your best rate with a potential lender. Your credit history, finances, and and the timeframe you wish to make your move can all be a factor in the type of loan that matches your needs. So, what loans can you pick from?

What Types of Loans Are There in St. Joseph, MO?

St. Joseph home buyers have more than one type of home loan to choose from. There are: 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 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 types of government loans. Income and credit requirements are usually a little more different 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 Mr. Cooper loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Start with a Preapproval Letter in St. Joseph, MO

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in St. Joseph to demonstrate 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 seller’s you’re serious about the home they’re selling. 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 St. Joseph. What are you waiting for? Get started with the help you need!

Mr. Cooper Reviews for St. Joseph, MO

Take it from these happy Mr. Cooper mortgage customers in St. Joseph, MO: We love helping homeowners. Call now to see how we can serve you.

We're here to support you on the path to home ownership.

Work with Mr. Cooper to get pre-approved and get into the home of your dreams.