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Find a Home Loan in Ashburn, VA

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Getting the Home Loan in Ashburn, VA That's Best for You

Houses aren't one size fits all. The same can be said for home loans in Virginia. Securing the correct fit for your needs may require some comparison shopping! Mr. Cooper can help! Our aim is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the mortgage loan process. We encourage you to read on 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 try your best to get it in tip-top shape. A not-so-great credit score could mean you end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timeframe you'd like to make your move can all affect the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Ashburn, VA

You may have options when it comes to Ashburn home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan could be a great route for you if you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

VA and FHA loans are both types of government loans. Credit and salary/wage requirements tend to have different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Start with a Preapproval Letter in Ashburn, VA

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Ashburn to demonstrate that you really do intend to buy. 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 to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Ashburn. What are you waiting for? See how we can help you navigate your next home-buying experience!

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