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Find a Home Loan in Harrisburg, NC

Ready to buy a house in Harrisburg 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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Get Started on Your Harrisburg Home Loan Journey

A home isn't a one size fits all kind of thing. Harrisburg home loans aren’t either. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the mortgage loan process. We encourage you to continue reading for introductory information about selecting a mortgage loan, but also reach out to 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 not-so-great credit score may mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you advocate for your best rate with a lender. Your credit history, financial situation, and the timeline you wish to make your move can all be a factor in the type of home loan that fits your needs. So, what loans can you pick from?

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

You may have options when it comes to Harrisburg home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loans might be a good choice 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.

FHA loans and VA loans are both types of government loans. Credit and income requirements tend to have 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 loan officer can help you get to know your options and what comes next, depending on your position in the process.

Begin in Harrisburg, NC with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Harrisburg to indicate that you're a serious buyer. 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’re know you can afford the home. Contact a Mr. Cooper mortgage professional today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Harrisburg. Get started with the help you need!

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