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Find the Bristol, VA Home Loan That's Best for You

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

Houses aren't one size fits all. Bristol home loans aren’t either. 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 read on for routine information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A low credit score may mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit history, financial situation, and the timeline you wish to make your 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 Bristol, VA?

You may have options when it comes to Bristol home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan may be the perfect option 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.

FHA and VA loans are both types of government loans. Credit and income requirements are often different 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 trained loan officer can help you understand your options and next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Bristol, VA

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Bristol to indicate that you've done your due diligence. 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 with the real estate agent and seller because they know you can afford the home. Call the mortgage team at Mr. Cooper today to discuss everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Bristol. What are you waiting for? See how we can help you navigate your next home-buying experience!

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