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Find the Athens, OH Home Loan That's Best for You

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Finding Your Fit, Finding Your Athens Home Loan

Houses aren't one size fits all. The same can be said for home loans in Ohio. Securing the correct fit for your needs requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We hope you'll keep reading for routine information about selecting a mortgage loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and try your best to get it in tip-top shape. A poor credit rating might mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit history, finances, and and the timeline you'd like to make your move can all impact the type of home loan that fits your needs. So, what options are out there for you?

Different Types of Home Loans in Athens, OH

You may have options when it comes to Athens home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan could be a great route 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 often 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 loan officer can help you understand your options and next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Athens, OH

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Athens to show that you're a serious buyer. 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 to sellers you can afford the home they’re selling. Give us a call today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Athens. What are you waiting for? See how we can help you navigate your next home-buying experience!

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