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Apply for a Home Loan in New Bern, NC

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Finding Your Fit, Finding Your New Bern Home Loan

Homes aren't one size fits all structures. New Bern home loans aren’t either. Getting the best fit for you may require some comparison shopping! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to read on for basic details about picking your New Bern home loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A less-than-stellar credit score may mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you secure a better rate with your potential lender. Your credit strength, financial situation, and the timeline you wish to make your move can all affect the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in New Bern, NC

You may have options when it comes to New Bern home loans: 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 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 fall into the government loan category. Credit and salary/wage requirements tend to have laid-back 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 loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Start with a Preapproval Letter in New Bern, NC

Secure a Verified Approval Letter from the lender before you start shopping for homes in New Bern 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. It can also show to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss 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 New Bern. Get started with the help you need!

Mr. Cooper Reviews for New Bern, NC

Take it from these happy Mr. Cooper mortgage customers in New Bern, NC: We love helping homeowners. Call now to see how we can serve you.

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