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Apply for a Home Loan in Lumberton, NC

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Get Started on Your Lumberton Home Loan Journey

A home isn't a one size fits all kind of thing. Neither are home loans in Lumberton. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our aim is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We encourage you to continue reading for basic details about picking your Lumberton home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A not-so-great credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit history, financial situation, and the timeline you're looking to move can all affect the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Lumberton, NC?

You may have options when it comes to Lumberton 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 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 are both classified as government loans. Credit and salary/wage requirements are usually a little more 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. How do you know which home loan is the best for you? A 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 Lumberton, NC

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Lumberton to demonstrate that you're a serious buyer. 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. Give us a call today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Lumberton. What are you waiting for? Get started with the help you need!

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