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Apply for a Home Loan in Alexandria, VA

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On Your Way Toward a New Home Loan in Alexandria, VA

Houses aren't one size fits all. Neither are home loans in Alexandria. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our aim is to keep the dream of homeownership alive starting with the loan process. We hope you'll keep reading for routine information about finding a home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

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 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 situation, and the timing in which you're looking to move can all affect the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in Alexandria, VA?

You may have options when it comes to Alexandria home loans: 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.

FHA and VA loans are both types of government loans. Credit and salary/wage requirements are usually a little more 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 home loan is right for you? A professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Begin in Alexandria, VA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Alexandria to indicate that you've done your due diligence. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. The letter can also carry more weight to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper 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 Alexandria. Call now to get the super-smart help you want!

Mr. Cooper Reviews for Alexandria, VA

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