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Find the Farmington, UT Home Loan That's Best for You

Ready to buy a house in Farmington 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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On Your Way Toward a New Home Loan in Farmington, UT

A home isn't a one size fits all kind of thing. The same can be said for home loans in Utah. Getting the best fit for you may require some comparison shopping! Mr. Cooper can help! Our goal is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We hope you'll keep reading for basic information about finding a home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and try your best to get it in tip-top shape. A less-than-stellar credit score might mean you are presented with a higher interest rate on your 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 timeline you're looking to move can all influence the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Farmington, UT?

You may have options when it comes to Farmington home loans: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan may be the perfect option 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.

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

Begin in Farmington, UT with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start going to Open Houses in Farmington to demonstrate that you're serious about buying a home. 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 potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Farmington. Get started with the help you need!

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