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Compare Smithfield, NC Home Loans

Ready to buy a house in Smithfield but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

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Finding Your Fit, Finding Your Smithfield Home Loan

Houses aren't one size fits all. Neither are home loans in Smithfield. Getting the best fit for you takes some shopping around! That's where Mr. Cooper comes in. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We hope you'll keep reading for introductory details about picking your Smithfield home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and try your best to improve your score. A less-than-stellar credit score could mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit history, financial state, and the timeframe you wish to make your move can all affect the type of loan that matches your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Smithfield, NC?

Smithfield home buyers have more than one type of home loan to choose from. There are: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline 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.

FHA loans and VA loans are both classified as government loans. Credit and income requirements are usually a little more laid-back than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which home loan is right for you? A loan officer can help you understand your options and next steps, depending on where you are on your journey.

Begin in Smithfield, NC with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Smithfield to show that you're a serious buyer. 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 show seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Smithfield. What are you waiting for? Get started with the help you need!

Mr. Cooper Reviews for Smithfield, NC

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

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