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Apply for a Home Loan in Hillsboro, OR

Ready to buy a house in Hillsboro 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 Hillsboro, OR

Houses aren't one size fits all. Neither are home loans in Hillsboro. Finding the right fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our mission 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 continue reading for basic details about picking your Hillsboro home loan, but also reach out to 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 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 advocate for your best rate with a lender. Your credit history, financial state, and the timing in which you're looking to move can all impact the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in Hillsboro, OR?

You may have options when it comes to Hillsboro home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loans might be a good choice for you if you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

FHA and VA loans fall into the government loan category. Credit and income requirements are often different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A trained loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Start with a Preapproval Letter in Hillsboro, OR

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Hillsboro to indicate that you really do intend to buy. 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 buy the home they’re selling. Call the mortgage team at Mr. Cooper today to chat about 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 Hillsboro. Get started with the help you need!

Hillsboro, OR Mr. Cooper Reviews

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