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Find a Home Loan in Allentown, PA

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Finding Your Fit, Finding Your Allentown Home Loan

Houses aren't one size fits all. The same can be said for home loans in Pennsylvania. Finding the right fit for you may require some comparison shopping! Mr. Cooper can help! Our mission is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for general information about selecting a mortgage loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to improve your score. A less-than-stellar credit score could mean you end up with a higher interest rate on your home loan. On the flip side, a higher credit rating can help you advocate for your best rate with a lender. Your credit history, financial situation, and the timing in which you wish to make your move can all be a factor in the type of home loan that fits your needs. So, what's out there to choose from?

What Home Loan Options Do I Have in Allentown, PA?

Allentown home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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.

VA loans and FHA loans are both classified as government loans. Credit and salary/wage requirements tend to have 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 one of these home loans is a good fit for you? A 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 Allentown, PA

Secure a Verified Approval Letter from the lender before you begin looking for houses in Allentown to indicate that you've done your due diligence. 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 speed up to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Allentown. See how we can help you navigate your next home-buying experience!

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