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

Houses aren't one size fits all. Charlottesville home loans aren’t either. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our mission 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 introductory information about selecting a mortgage 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 not-so-great 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, finances, and and the timeline you wish to make your move can all impact the loan type that aligns with your goals. So, what options are out there for you?

What Types of Loans Are There in Charlottesville, VA?

There are several different types of home loans available to Charlottesville 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 loans might be a good choice 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 loans and FHA loans fall into the government loan category. Income and credit requirements tend to have 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 one of these home loans is a good fit for you? A loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Start with a Preapproval Letter in Charlottesville, VA

Get a Verified Approval Letter from your lender before you begin looking for houses in Charlottesville to demonstrate that you're a serious buyer. A Verified Approval Letter is proof that your finances have been reviewed by the lender, and you have 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. Contact a Mr. Cooper mortgage professional now to talk about all things loan-related! We'll walk through everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Charlottesville. What are you waiting for? Get started with the help you need!

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