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Compare Ashland, OR Home Loans

For all your Ashland home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Oregon.

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Get Started on Your Ashland Home Loan Journey

Houses aren't one size fits all. Ashland home loans aren’t either. Getting the best fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our mission is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for routine information about selecting a mortgage loan, but also contact 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 low 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 secure a better rate with your potential lender. Your credit strength, financial situation, and the timeline you're looking to move can all affect the loan type that aligns with your goals. So, what's out there to choose from?

Different Types of Home Loans in Ashland, OR

You may have options when it comes to Ashland 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 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 and VA loans are both classified as government loans. Income and credit 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 get to know your options and what comes next, depending on your stage in the journey.

Begin in Ashland, OR with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Ashland to indicate that you're serious about buying a home. 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 buy the home they’re selling. Call the mortgage team at Mr. Cooper now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Ashland. Get started with the help you need!

Mr. Cooper Reviews from Real Customers in Ashland, OR

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