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Find a Home Loan in Statesville, NC

For all your Statesville home loan needs, call Mr. Cooper. We're your purchase and refinance partner in North Carolina.

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Finding Your Fit, Finding Your Statesville Home Loan

Houses aren't one size fits all. The same can be said for home loans in North Carolina. Finding the right fit for you requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our aim is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to read on for routine information about finding a 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 low credit score may mean you are presented with a higher interest rate on your loan. On the other hand, a strong credit score can help you secure a better rate with your potential lender. Your credit history, financial state, and the timeframe you'd like to make your move can all influence the type of loan that matches your needs. So, what loans can you pick from?

Different Types of Home Loans in Statesville, NC

You may have options when it comes to Statesville home loans: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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.

FHA loans and VA loans fall into the government loan category. Income and credit requirements are usually a little more 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 one of these home loans is a good fit for you? A loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Begin in Statesville, NC with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Statesville 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 show to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional 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 is a great time for buying a home in Statesville. What are you waiting for? Get started with the help you need!

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