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Find a Home Loan in South Jordan, UT

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Getting the Home Loan in South Jordan, UT That's Best for You

Houses aren't one size fits all. Neither are home loans in South Jordan. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to continue reading for routine information about finding a home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit 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 higher credit rating can help you advocate for your best rate with a lender. Your credit history, finances, and and the timing in which you're looking to move can all affect the loan type that aligns with your goals. So, what's out there to choose from?

What Types of Loans Are There in South Jordan, UT?

There are several different types of home loans available to South Jordan home buyers: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loan could be a great route 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 types of government loans. Credit and salary/wage requirements are often different criteria 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 compare loans and plan your next steps, depending on your stage in the journey.

Begin in South Jordan, UT with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in South Jordan to show that you've done your due diligence. 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 with the real estate agent and seller because they know you can afford the home. Give us a call today to discuss 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 South Jordan. Call now to get the super-smart help you want!

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