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

Ready to buy a house in State College but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

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

Homes aren't one size fits all structures. State College home loans aren’t either. Finding the right fit for you may require some comparison shopping! That's where Mr. Cooper comes in. 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 introductory information about finding a home loan, but also reach out to 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 improve your score. A less-than-stellar credit score could 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 score, financial situation, and the timeline you're looking to move can all be a factor in the loan type that aligns with your goals. So, what's out there to choose from?

What Home Loan Options Do I Have in State College, PA?

There are several different types of home loans available to State College home buyers: 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 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 classified as government loans. Credit and income requirements are often different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional Mr. Cooper loan officer can help you understand your options and next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in State College, PA

Get a Verified Approval Letter from your lender before you start shopping for homes in State College to demonstrate that you really do intend to buy. 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 to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper now to talk about all things loan-related! We'll walk through everything from your Verified Approval letter to your credit and loan options. Now could be the perfect time for you to buy a house in State College. Get started with the help you need!

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