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Find a Home Loan in Somers, NY

For all your Somers home loan needs, call Mr. Cooper. We're your purchase and refinance partner in New York.

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Finding Your Fit, Finding Your Somers Home Loan

A home isn't a one size fits all kind of thing. Neither are home loans in Somers. Getting the best fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our goal is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to read on for general details about picking your Somers home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A poor credit rating could mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timing in which 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 Somers, NY

There are several different types of home loans available to Somers home buyers: 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 income and employment history are stable, your credit is healthy, and you're going to make a down payment of at least 3% depending on your situation.

VA loans and FHA loans are both types of government loans. Income and credit requirements are often laid-back 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 professional Mr. Cooper loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in Somers, NY with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Somers to show 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. The letter can also carry more weight 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 potential loan options, credit score, and your Verified Approval letter. It could be the perfect season for you to buy a new house in Somers. Get started with the help you need!

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