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Apply for a Home Loan in Burlington, NC

For all your Burlington home loan needs, call Mr. Cooper. We're your purchase and refinance partner in North Carolina.

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Finding Your Fit, Finding Your Burlington Home Loan

A home isn't a one size fits all kind of thing. Neither are home loans in Burlington. Securing the correct fit for your needs takes some shopping around! That's where Mr. Cooper comes in. Our aim is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We encourage you to read on for introductory details about picking your Burlington home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

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 could mean you'll have a higher interest rate on your mortgage loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit history, financial situation, and the timeline you wish to make your 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 Burlington, NC?

You may have options when it comes to Burlington home loans: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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 classified as government loans. Credit and salary/wage requirements are usually a little more laid-back 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 compare loans and plan your next steps, depending on your stage in the journey.

Begin in Burlington, NC with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Burlington to show that you're a serious buyer. 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 show 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 Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Burlington. What are you waiting for? Get started with the help you need!

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