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

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

Houses aren't one size fits all. Raleigh home loans aren’t either. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our aim 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 professional with any mortgage questions you might have.

As you start looking for loans, check your credit and try your best to get it in tip-top shape. A low credit score could mean you'll have a higher interest rate on your mortgage loan. On the other hand, a strong credit score can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timeframe you're looking to move can all affect the type of home loan that fits your needs. So, what's out there to choose from?

What Types of Loans Are There in Raleigh, NC?

There are several different types of home loans available to Raleigh home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan could be a great route 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 and FHA loans are both types of government loans. Income and credit requirements tend to have laid-back than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A professional loan officer can help you understand your options and next steps, depending on where you are on your journey.

Begin in Raleigh, NC with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Raleigh to indicate that you've done your due diligence. 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. It can also speed up to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Raleigh. Get started with the help you need!

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