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Get Started on Your Shelby Home Loan Journey

Houses aren't one size fits all. Shelby home loans aren’t either. Finding the right fit for you takes some shopping around! That's where Mr. Cooper comes in. Our goal is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to continue reading for general details about picking your Shelby home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A poor credit rating could mean you end up with a higher interest rate on your home loan. On the other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, financial situation, and the timeline you wish to make your move can all be a factor in the loan type that aligns with your goals. So, what's out there to choose from?

Different Types of Home Loans in Shelby, NC

There are several different types of home loans available to Shelby home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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 loans and FHA loans fall into the government loan category. Income and credit requirements are often 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 trained loan officer can help you understand your options and next steps, depending on your position in the process.

Start with a Preapproval Letter in Shelby, NC

Get a Verified Approval Letter from your lender before you start going to Open Houses in Shelby to indicate that you're a serious buyer. 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 speed up 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 potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Shelby. See how we can help you navigate your next home-buying experience!

Shelby, NC Mr. Cooper Reviews

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

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