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Getting the Home Loan in Dickinson, ND That's Best for You

Homes aren't one size fits all structures. Neither are home loans in Dickinson. Securing the correct fit for your needs requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for basic information about finding a home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A less-than-stellar credit score may mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit history, financial situation, and the timeframe you'd like to make your move can all impact the type of loan that matches your needs. So, what loans can you pick from?

Different Types of Home Loans in Dickinson, ND

You may have options when it comes to Dickinson 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 loans might be a good choice 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.

VA and FHA loans fall into the government loan category. Credit and salary/wage requirements are often different 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 Mr. Cooper loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Begin in Dickinson, ND with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start going to Open Houses in Dickinson to demonstrate that you're serious about buying a home. 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 to sellers you can afford the home they’re selling. Give us a call today to discuss everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Dickinson. Call now to get the super-smart help you want!

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