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Find the Plum, PA Home Loan That's Best for You

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Finding Your Fit, Finding Your Plum Home Loan

Homes aren't one size fits all structures. Plum home loans aren’t either. Securing the correct fit for your needs may require some comparison shopping! Mr. Cooper can help! Our goal is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We hope you'll keep reading for general information about selecting a mortgage loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and try your best to get it in tip-top shape. A poor credit rating might 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 timing in which you're looking to move can all be a factor in the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in Plum, PA?

You may have options when it comes to Plum home loans: 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 you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

VA loans and FHA loans fall into the government loan category. Credit and income requirements tend to have laid-back 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 loan officer can help you understand your options and next steps, depending on your stage in the journey.

Begin in Plum, PA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you begin looking for houses in Plum to demonstrate that you really do intend to buy. 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. It can also speed up seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Plum. Call now to get the super-smart help you want!

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