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Find a Home Loan in Hickory, NC

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

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Getting the Home Loan in Hickory, NC That's Best for You

Homes aren't one size fits all structures. Neither are home loans in Hickory. 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 introductory information about finding a home loan, but also reach out to 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'll have a higher interest rate on your mortgage loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit history, finances, and and the timing in which you wish to make your move can all be a factor in the loan type that aligns with your goals. So, what options are out there for you?

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

You may have options when it comes to Hickory 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 loan could be a great route for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA and VA loans fall into the government loan category. Income and credit requirements are often different criteria 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 understand your options and next steps, depending on where you are on your journey.

Begin in Hickory, NC with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start going to Open Houses in Hickory to demonstrate that you're serious about buying a home. 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. It can also speed up to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper 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 Hickory. Call now to get the super-smart help you want!

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