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Find a Home Loan in Milwaukie, OR

Ready to buy a house in Milwaukie 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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Getting the Home Loan in Milwaukie, OR That's Best for You

A home isn't a one size fits all kind of thing. Neither are home loans in Milwaukie. Getting the best fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to read on for introductory information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A less-than-stellar credit score could mean you end up with a higher interest rate on your home loan. On the other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, financial state, and the timeline you wish to make your move can all affect the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in Milwaukie, OR?

There are several different types of home loans available to Milwaukie home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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.

VA and FHA loans fall into the government loan category. Credit and salary/wage requirements tend to have different than conventional loans. Also, active-duty service members, veterans and surviving spouses 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 understand your options and next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Milwaukie, OR

Get a Verified Approval Letter from your lender before you begin looking for houses in Milwaukie to show that you're a serious buyer. 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 seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your Verified Approval letter to your credit and loan options. Now could be the perfect time for you to buy a house in Milwaukie. Get started with the help you need!

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