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Find a Home Loan in Orem, UT

Ready to buy a house in Orem 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 Orem, UT

A home isn't a one size fits all kind of thing. Orem home loans aren’t either. Finding the right fit for you takes some shopping around! That’s where Mr. Cooper can help. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, starting 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 professional with any mortgage questions you might have.

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 could mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you advocate for your best rate with a lender. Your credit strength, financial state, and the timeframe you'd like to make your move can all influence the type of loan that matches your needs. So, what loans can you pick from?

Different Types of Home Loans in Orem, UT

Orem 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 are both types of government loans. Credit and salary/wage requirements are usually a little more 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 professional Mr. Cooper 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 Orem, UT

Secure a Verified Approval Letter from the lender before you begin looking for houses in Orem 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 to sellers you can afford 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. It could be the perfect season for you to buy a new house in Orem. Get started with the help you need!

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