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Apply for a Home Loan in Zebulon, NC

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Get Started on Your Zebulon Home Loan Journey

Houses aren't one size fits all. Zebulon home loans aren’t either. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to continue reading for general details about picking your Zebulon home loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and work to get it in tip-top shape. 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 score, financial state, and the timeframe you're looking to move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Zebulon, NC

You may have options when it comes to Zebulon 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 could be a great route 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 and VA loans are both classified as government loans. Income and credit requirements are usually a little more different than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A loan officer can help you get to know your options and what comes next, depending on your position in the process.

Begin in Zebulon, NC with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you begin looking for houses in Zebulon 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. The letter can also carry more weight with the real estate agent and seller because they’re know you can afford the home. Call the mortgage team at Mr. Cooper today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Zebulon. What are you waiting for? Get started with the help you need!

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