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

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Finding Your Fit, Finding Your The Dalles 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 comes in. Our mission is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to read on for routine information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A less-than-stellar credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, financial state, and the timing in which you'd like to make your move can all influence the type of home loan that fits your needs. So, what options are out there for you?

What Home Loan Options Do I Have in The Dalles, OR?

There are several different types of home loans available to The Dalles home buyers: 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.

VA loans and FHA loans are both classified as government loans. Credit and income requirements tend to have different 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 professional loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in The Dalles, OR

Secure a Verified Approval Letter from the lender before you start shopping for homes in The Dalles to show that you've done your due diligence. A Verified Approval Letter is proof that your finances have been reviewed by the lender, and you have an estimate of how much you can buy. The letter can also carry more weight with the real estate agent and seller because they know you can buy the home. Contact a Mr. Cooper mortgage professional today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in The Dalles. What are you waiting for? Call now to get the super-smart help you want!

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