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Find a Home Loan in Medford, OR

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

Homes aren't one size fits all structures. Neither are home loans in Medford. Securing the correct fit for your needs requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for basic information about selecting a mortgage loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A less-than-stellar credit score might mean you end up with a higher interest rate on your home 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 timing in which you'd like to make your move can all be a factor in the loan type that aligns with your goals. So, what loans can you pick from?

What Types of Loans Are There in Medford, OR?

You may have options when it comes to Medford 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 may be the perfect option for you if your income and employment history are stable, your credit is healthy, and you're going to make a down payment of at least 3% depending on your situation.

FHA loans and VA loans fall into the government loan category. Credit and salary/wage requirements tend to have laid-back 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 trained loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in Medford, OR with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Medford 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. It can also show seller’s you’re serious about 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 is a great time for buying a home in Medford. What are you waiting for? Call now to get the super-smart help you want!

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