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Find the Wilson, NC Home Loan That's Best for You

Ready to buy a house in Wilson 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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Getting the Home Loan in Wilson, NC That's Best for You

Homes aren't one size fits all structures. Wilson home loans aren’t either. Securing the correct fit for your needs may require some comparison shopping! Mr. Cooper can help! Our mission is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to read on for introductory details about picking your Wilson home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and try your best to improve your score. A low credit score may mean you'll have a higher interest rate on your mortgage loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, finances, and and the timing in which you'd like to make your move can all affect the type of loan that matches your needs. So, what loans can you pick from?

What Types of Loans Are There in Wilson, NC?

You may have options when it comes to Wilson home loans: 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 credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA loans and VA loans are both types of government loans. Credit and income requirements are usually a little more different 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 professional loan officer can help you understand your options and next steps, depending on your position in the process.

Start with a Preapproval Letter in Wilson, NC

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Wilson to demonstrate 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. The letter can also carry more weight with the real estate agent and seller because they’re know you can afford the home. Contact a Mr. Cooper mortgage professional today to discuss everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Wilson. Get started with the help you need!

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