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Finding Your Fit, Finding Your Rocky Mount Home Loan

Homes aren't one size fits all structures. Neither are home loans in Rocky Mount. Securing the correct fit for your needs may require some comparison shopping! That’s where Mr. Cooper can help. Our aim is to transform the homeownership journey into an enjoyable one, starting with the loan process. We hope you'll keep reading for general information about selecting a mortgage loan, but also reach out to 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 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 flip side, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit score, financial situation, and the timing in which you wish to make your move can all impact the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in Rocky Mount, NC?

Rocky Mount home buyers have more than one type of home loan to choose from. There are: 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 income and employment history are stable, your credit is healthy, and you're going to make a down payment of at least 3% depending on your situation.

VA and FHA loans are both classified as government loans. Credit and salary/wage requirements are usually a little more 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 one of these home loans is a good fit for you? A loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Rocky Mount, NC

Get a Verified Approval Letter from your lender before you begin looking for houses in Rocky Mount to show that you really do intend to buy. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also speed up seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper today to chat about 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 Rocky Mount. Call now to get the super-smart help you want!

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