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Apply for a Home Loan in Canby, OR

Ready to buy a house in Canby but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

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On Your Way Toward a New Home Loan in Canby, OR

Houses aren't one size fits all. Canby home loans aren’t either. Securing the correct fit for your needs requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, starting 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 mortgage professional for any questions you may have.

As you start looking for loans, check your credit 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 high credit score can help you advocate for your best rate with a lender. Your credit score, financial state, and the timeframe you wish to make your move can all impact the loan type that aligns with your goals. So, what loans can you pick from?

What Types of Loans Are There in Canby, OR?

Canby home buyers have more than one type of home loan to choose from. There are: 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 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. Credit and salary/wage requirements are usually a little more different criteria 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. How do you know which home loan is the best for you? A loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Canby, OR

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Canby to demonstrate 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 seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Canby. Get started with the help you need!

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