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Apply for a Home Loan in Harrison, NY

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Getting the Home Loan in Harrison, NY That's Best for You

Houses aren't one size fits all. The same can be said for home loans in New York. Securing the correct fit for your needs 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 general details about picking your Harrison home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A not-so-great credit score could mean you'll have a higher interest rate on your mortgage loan. On the flip side, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit history, finances, and and the timeline you're looking to move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Harrison, NY

You may have options when it comes to Harrison home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline 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.

FHA loans and VA loans are both types of government loans. Credit and income requirements tend to have 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 trained loan officer can help you understand your options and next steps, depending on where you are on your journey.

Begin in Harrison, NY with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Harrison to indicate that you're a serious buyer. 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 speed up with the real estate agent and seller because they know you can afford the home. Call the mortgage team at Mr. Cooper today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Harrison. Call now to get the super-smart help you want!

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