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Find a Home Loan in Burke, VA

For all your Burke home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Virginia.

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Finding Your Fit, Finding Your Burke Home Loan

Homes aren't one size fits all structures. Burke home loans aren’t either. Finding the right fit for you requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to read on for basic information about finding a home loan, but also reach out to Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and try your best to improve your score. A not-so-great credit score might mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, finances, and and the timeline you wish to make your move can all influence the type of loan that matches your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Burke, VA?

There are several different types of home loans available to Burke 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 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 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 one of these home loans is a good fit for you? A 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 Burke, VA

Get a Verified Approval Letter from your lender before you begin looking for houses in Burke to indicate that you're a serious buyer. 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. It can also show with the real estate agent and seller because they’re know you can afford the home. 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 Burke. Get started with the help you need!

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