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Apply for a Home Loan in Fayetteville, NC

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Finding Your Fit, Finding Your Fayetteville Home Loan

Homes aren't one size fits all structures. The same can be said for home loans in North Carolina. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our aim is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to read on for routine information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to improve your score. A not-so-great credit score could mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit score, financial situation, and the timeline you'd like to make your move can all affect the type of home loan that fits your needs. So, what options are out there for you?

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

Fayetteville 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 loans might be a good choice 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 and VA loans are both classified as government loans. Credit and income 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 home loan is right for you? A loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Fayetteville, NC

Get a Verified Approval Letter from your lender before you begin looking for houses in Fayetteville to demonstrate 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 to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Fayetteville. What are you waiting for? Call now to get the super-smart help you want!

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