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Compare Concord, NC Home Loans

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On Your Way Toward a New Home Loan in Concord, NC

Houses aren't one size fits all. The same can be said for home loans in North Carolina. Getting the best fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our aim is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for general details about picking your Concord home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and try your best to get it in tip-top shape. A poor credit rating might 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 history, finances, and and the timeline you'd like to make your move can all be a factor in the type of loan that matches your needs. So, what's out there to choose from?

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

You may have options when it comes to Concord 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 could be a great route 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.

FHA loans and VA loans are both types of government loans. Income and credit requirements are usually a little more laid-back 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. How do you know which home loan is the best for you? A loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Concord, NC

Get a Verified Approval Letter from your lender before you begin looking for houses in Concord to show that you really do intend to buy. 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 show 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. It could be the perfect season for you to buy a new house in Concord. Call now to get the super-smart help you want!

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