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Find the Springfield, OR Home Loan That's Best for You

Ready to buy a house in Springfield 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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Finding Your Fit, Finding Your Springfield Home Loan

Houses aren't one size fits all. The same can be said for home loans in Oregon. Getting the best fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our aim is to keep the dream of homeownership alive starting with the loan process. We encourage you to read on for basic details about picking your Springfield home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. A poor credit rating might mean you'll have a higher interest rate on your mortgage loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit score, financial state, and the timeline you're looking to move can all affect the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in Springfield, OR

Springfield home buyers have more than one type of home loan to choose from. There are: 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 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 fall into the government loan category. Credit and salary/wage requirements are usually a little more laid-back than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which home loan is right for you? A trained loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Springfield, OR

Get a Verified Approval Letter from your lender before you begin looking for houses in Springfield 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 speed up 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 credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Springfield. Call now to get the super-smart help you want!

Mr. Cooper Reviews for Springfield, OR

Take it from these happy Mr. Cooper mortgage customers in Springfield, OR: We love helping homeowners. Call now to see how we can serve you.

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