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Apply for a Home Loan in Lexington, NC

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

A home isn't a one size fits all kind of thing. The same can be said for home loans in North Carolina. Securing the correct fit for your needs requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our aim is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for introductory information about finding a home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and work to get it in tip-top shape. A not-so-great credit score could mean you end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, financial state, and the timeline you're looking to move can all influence the type of loan that matches your needs. So, what loans can you pick from?

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

There are several different types of home loans available to Lexington home buyers: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. 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 loans and VA loans fall into the government loan category. Credit and income requirements are often different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members 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 Lexington, NC

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Lexington to show that you've done your due diligence. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper 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 Lexington. Get started with the help you need!

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