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Getting the Home Loan in Hanover, PA That's Best for You

Homes aren't one size fits all structures. Neither are home loans in Hanover. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our mission is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for routine information about finding a home 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 try your best to improve your score. A not-so-great credit score might mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit score, financial state, and the timing in which you're looking to move can all be a factor in the type of loan that matches your needs. So, what loans can you pick from?

Different Types of Home Loans in Hanover, PA

Hanover 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 loan could be a great route 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.

FHA and VA loans fall into the government loan category. 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 loan officer can help you get to know your options and what comes next, depending on your position in the process.

Start with a Preapproval Letter in Hanover, PA

Get a Verified Approval Letter from your lender before you start going to Open Houses in Hanover to demonstrate that you really do intend to buy. 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 to sellers you can afford the home they’re selling. Give us a call today to chat about everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Hanover. Get started with the help you need!

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