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Apply for a Home Loan in Westerville, OH

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Getting the Home Loan in Westerville, OH That's Best for You

Houses aren't one size fits all. The same can be said for home loans in Ohio. Securing the correct fit for your needs takes some shopping around! Mr. Cooper can help! Our mission is to keep the dream of homeownership alive 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 begin searching for home loans, double check your credit and try your best to improve your score. A less-than-stellar credit score may mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit strength, finances, and and the timeline you wish to make your move can all be a factor in the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Westerville, OH?

There are several different types of home loans available to Westerville home buyers: 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 classified as government loans. Income and credit requirements are usually a little more different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. 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 Westerville, OH with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start shopping for homes in Westerville to indicate 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. 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 Westerville. What are you waiting for? See how we can help you navigate your next home-buying experience!

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