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Find a Home Loan in South Burlington, VT

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Finding Your Fit, Finding Your South Burlington Home Loan

Homes aren't one size fits all structures. Neither are home loans in South Burlington. Securing the correct fit for your needs takes some shopping around! That's where Mr. Cooper comes in. Our mission is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to continue reading for routine information about finding a home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans 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 high credit score can help you advocate for your best rate with a lender. Your credit history, financial state, and the timeframe you're looking to move can all be a factor in the loan type that aligns with your goals. So, what loans can you pick from?

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

You may have options when it comes to South Burlington 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 could be a great route for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

VA and FHA loans are both classified as 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. Which home loan is right for you? A professional Mr. Cooper loan officer can help you understand your options and next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in South Burlington, VT

Secure a Verified Approval Letter from the lender before you start going to Open Houses in South Burlington to demonstrate 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. It can also speed up to sellers you can afford the home they’re selling. Give us a call today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in South Burlington. Get started with the help you need!

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