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Find a Home Loan in Southern Pines, NC

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On Your Way Toward a New Home Loan in Southern Pines, NC

A home isn't a one size fits all kind of thing. Southern Pines home loans aren’t either. Getting the best fit for you takes some shopping around! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive starting with the mortgage loan process. We hope you'll keep reading for routine information about finding a home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may 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 might mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit score, finances, and and the timing in which you wish to make your move can all affect the type of loan that matches your needs. So, what's out there to choose from?

What Home Loan Options Do I Have in Southern Pines, NC?

There are several different types of home loans available to Southern Pines home buyers: 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 you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

VA and FHA loans are both types of government loans. Credit and income requirements are often different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Southern Pines, NC

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Southern Pines to indicate that you really do intend to buy. 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 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. It could be the perfect season for you to buy a new house in Southern Pines. Get started with the help you need!

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