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Compare Exeter, NH Home Loans

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Finding Your Fit, Finding Your Exeter Home Loan

Houses aren't one size fits all. The same can be said for home loans in New Hampshire. Getting the best fit for you requires some loan-to-loan comparisons! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive starting with the loan process. We encourage you to read on for general details about picking your Exeter home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A low credit score may mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit history, financial state, and the timing in which you're looking to move can all be a factor in the loan type that aligns with your goals. So, what's out there to choose from?

What Types of Loans Are There in Exeter, NH?

You may have options when it comes to Exeter home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming 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 and FHA loans are both types of government loans. Income and credit requirements are usually a little more different 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 loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Begin in Exeter, NH with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Exeter to show 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. It can also speed up seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Exeter. Call now to get the super-smart help you want!

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