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Find the Kannapolis, NC Home Loan That's Best for You

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Finding Your Fit, Finding Your Kannapolis Home Loan

Houses aren't one size fits all. The same can be said for home loans in North Carolina. Finding the right fit for you requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our mission is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to continue reading for routine information about finding a home loan, but also call a 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 not-so-great credit score may 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 strength, finances, and and the timeframe you wish to make your move can all influence the type of loan that matches your needs. So, what options are out there for you?

What Types of Loans Are There in Kannapolis, NC?

Kannapolis home buyers have more than one type of home loan to choose from. There are: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. 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 often different 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. Which home loan is right for you? A professional loan officer can help you get to know your options and what comes next, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Kannapolis, NC

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Kannapolis to indicate that you really do intend to buy. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional now to talk about all things loan-related! We'll walk through 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 Kannapolis. Call now to get the super-smart help you want!

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