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Compare Pittsburgh, PA Home Loans

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On Your Way Toward a New Home Loan in Pittsburgh, PA

A home isn't a one size fits all kind of thing. Pittsburgh home loans aren’t either. Securing the correct fit for your needs takes some shopping around! That’s where Mr. Cooper can help. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to read on for basic details about picking your Pittsburgh home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A poor credit rating could mean you'll have a higher interest rate on your mortgage loan. On the other hand, a strong credit score can help you secure a better rate with your potential lender. Your credit history, finances, and and the timeframe you wish to make your move can all be a factor in the type of home loan that fits your needs. So, what options are out there for you?

Different Types of Home Loans in Pittsburgh, PA

There are several different types of home loans available to Pittsburgh 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.

FHA and VA loans are both classified as government loans. Income and credit requirements are usually a little more different than conventional loans. Also, active-duty service members, veterans and surviving spouses 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.

Begin in Pittsburgh, PA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Pittsburgh to show 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 show seller’s you’re serious about the home they’re selling. Give us a call today to chat about 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 Pittsburgh. Call now to get the super-smart help you want!

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