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Compare Wilkes-Barre, PA Home Loans

Ready to buy a house in Wilkes-Barre 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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Finding Your Fit, Finding Your Wilkes-Barre Home Loan

Houses aren't one size fits all. Wilkes-Barre home loans aren’t either. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our mission is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to continue reading for introductory information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A less-than-stellar credit score might mean you'll have a higher interest rate on your mortgage loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit strength, financial state, and the timing in which you wish to make your move can all affect the type of loan that matches your needs. So, what options are out there for you?

What Types of Loans Are There in Wilkes-Barre, PA?

Wilkes-Barre 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.

FHA and VA loans fall into the government loan category. Credit and salary/wage 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. Which one of these home loans is a good fit for you? A professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Begin in Wilkes-Barre, PA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Wilkes-Barre to show that you've done your due diligence. 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. Contact a Mr. Cooper mortgage professional now to talk about all things loan-related! We'll walk through 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 Wilkes-Barre. Call now to get the super-smart help you want!

Mr. Cooper Reviews for Wilkes-Barre, PA

Take it from these happy Mr. Cooper mortgage customers in Wilkes-Barre, PA: We love helping homeowners. Call now to see how we can serve you.

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With Mr. Cooper, you can get pre-approved for a mortgage and get into a new home sooner.