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Compare Bethlehem, PA Home Loans

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Get Started on Your Bethlehem Home Loan Journey

Houses aren't one size fits all. Bethlehem home loans aren’t either. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our aim is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We hope you'll keep reading for introductory information about finding a home 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 try your best 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 higher credit rating can help you advocate for your best rate with a lender. Your credit score, financial state, and the timeline you're looking to move can all influence the type of loan that matches your needs. So, what loans can you pick from?

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

There are several different types of home loans available to Bethlehem 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 could be a great route 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 and FHA loans are both types of government loans. Credit and salary/wage requirements are often 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. How do you know which home loan is the best for you? A professional Mr. Cooper loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Bethlehem, PA

Secure a Verified Approval Letter from the lender before you start shopping for homes in Bethlehem 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. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Bethlehem. What are you waiting for? Call now to get the super-smart help you want!

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