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Apply for a Home Loan in Burlington, VT

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Getting the Home Loan in Burlington, VT That's Best for You

Houses aren't one size fits all. Burlington home loans aren’t either. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our aim is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to continue reading for introductory information about selecting a mortgage loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

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 end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit history, finances, and and the timeline you're looking to move can all be a factor in the type of home loan that fits your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Burlington, VT?

There are several different types of home loans available to Burlington home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). 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 classified as government loans. Credit and income requirements tend to have different criteria 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 loan officer can help you get to know your options and what comes next, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Burlington, VT

Get a Verified Approval Letter from your lender before you start shopping for homes in Burlington to show that you're a serious buyer. 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 seller’s you’re serious about 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 Burlington. Get started with the help you need!

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