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Apply for a Home Loan in Wentzville, MO

Ready to buy a house in Wentzville 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 Wentzville Home Loan Journey

Houses aren't one size fits all. Wentzville home loans aren’t either. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive starting with the mortgage loan process. We hope you'll keep reading for basic information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and work to get it in tip-top shape. A poor credit rating might mean you end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timeline you're looking to move can all influence the type of loan that matches your needs. So, what loans can you pick from?

What Types of Loans Are There in Wentzville, MO?

Wentzville 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 your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

VA loans and FHA loans are both classified as government loans. Income and credit requirements tend to have different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Wentzville, MO

Get a Verified Approval Letter from your lender before you begin looking for houses in Wentzville to indicate that you're serious about buying a home. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of 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. Give us a call 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 Wentzville. What are you waiting for? Call now to get the super-smart help you want!

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