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Apply for a Home Loan in Asheville, NC

Ready to buy a house in Asheville 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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Finding Your Fit, Finding Your Asheville Home Loan

Homes aren't one size fits all structures. Asheville home loans aren’t either. Getting the best fit for you takes some shopping around! That's where Mr. Cooper comes in. Our mission is to transform the homeownership journey into an enjoyable one, starting with the loan process. We hope you'll keep reading for routine details about picking your Asheville 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 low credit score may mean you end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you advocate for your best rate with a lender. Your credit strength, financial situation, and the timeline you're looking to move can all impact the loan type that aligns with your goals. So, what options are out there for you?

What Home Loan Options Do I Have in Asheville, NC?

Asheville home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan could be a great route for you if you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

VA and FHA loans are both types of government loans. Income and credit requirements tend to have different than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. Which home loan is right for you? A professional loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Asheville, NC

Secure a Verified Approval Letter from the lender before you start shopping for homes in Asheville to indicate that you really do intend to buy. 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. The letter can also carry more weight with the real estate agent and seller because they know you can afford the home. Give us a call today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Asheville. What are you waiting for? Call now to get the super-smart help you want!

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