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

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

Houses aren't one size fits all. Shippensburg home loans aren’t either. Securing the correct fit for your needs may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to read on for routine information about finding a home loan, but also reach out to Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and try your best to improve your score. A poor credit rating might mean you'll have a higher interest rate on your mortgage loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit strength, finances, and and the timeline you'd like to make your move can all affect the loan type that aligns with your goals. So, what loans can you pick from?

What Types of Loans Are There in Shippensburg, PA?

Shippensburg home buyers have more than one type of home loan to choose from. There are: 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.

VA loans and FHA loans are both classified as 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 loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Start with a Preapproval Letter in Shippensburg, PA

Get a Verified Approval Letter from your lender before you start going to Open Houses in Shippensburg to indicate that you're serious about buying a home. 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 show seller’s you’re serious about the home they’re selling. Give us a call today to chat about everything from your potential loan options, credit score, and your Verified Approval letter. It could be the perfect season for you to buy a new house in Shippensburg. Call now to get the super-smart help you want!

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