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Find a Home Loan in Jacksonville, NC

Ready to buy a house in Jacksonville 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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Getting the Home Loan in Jacksonville, NC That's Best for You

Homes aren't one size fits all structures. Neither are home loans in Jacksonville. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to read on for basic information about finding a home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. A poor credit rating might mean you end up with a higher interest rate on your home loan. On the other hand, a strong credit score can help you secure a better rate with your potential lender. Your credit score, finances, and and the timing in which you wish to make your move can all affect the type of loan that matches your needs. So, what loans can you pick from?

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

You may have options when it comes to Jacksonville 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 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. Credit and salary/wage 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. How do you know which home loan is the best for you? A trained 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 Jacksonville, NC

Get a Verified Approval Letter from your lender before you start going to Open Houses in Jacksonville 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 speed up seller’s you’re serious about the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through everything from your potential loan options, credit score, and your Verified Approval letter. It could be the perfect season for you to buy a new house in Jacksonville. Call now to get the super-smart help you want!

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