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Apply for a Home Loan in Kernersville, NC

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Get Started on Your Kernersville Home Loan Journey

Houses aren't one size fits all. Kernersville home loans aren’t either. Securing the correct fit for your needs takes some shopping around! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for introductory information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. A low credit score could mean you end up with a higher interest rate on your home 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 impact the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in Kernersville, NC

Kernersville 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 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.

VA loans and FHA loans are both classified as government loans. Credit and salary/wage 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. 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 where you are on your journey.

Begin in Kernersville, NC with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start going to Open Houses in Kernersville to indicate 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. 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 chat about everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Kernersville. Get started with the help you need!

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