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On Your Way Toward a New Home Loan in Goffstown, NH

Homes aren't one size fits all structures. Goffstown home loans aren’t either. Securing the correct fit for your needs requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our mission 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 basic information about finding a home loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and work to get it in tip-top shape. A less-than-stellar credit score might mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit score, financial situation, and the timeframe you're looking to move can all be a factor in the type of loan that matches your needs. So, what loans can you pick from?

What Home Loan Options Do I Have in Goffstown, NH?

Goffstown home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loan may be the perfect option 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 types of government loans. Credit and income requirements tend to have different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which home loan is right for you? A loan officer can help you get to know your options and what comes next, depending on your position in the process.

Begin in Goffstown, NH with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Goffstown to show that you're a serious buyer. 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. It can also speed up seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Goffstown. What are you waiting for? See how we can help you navigate your next home-buying experience!

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