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Find a Home Loan in Chesapeake, VA

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Get Started on Your Chesapeake Home Loan Journey

Houses aren't one size fits all. Neither are home loans in Chesapeake. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our goal is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to continue reading for routine details about picking your Chesapeake home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and work to get it in tip-top shape. A low credit score might mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you negotiate your best rate with a potential lender. Your credit strength, finances, and and the timeframe you wish to make your move can all be a factor in the loan type that aligns with your goals. So, what loans can you pick from?

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

There are several different types of home loans available to Chesapeake home buyers: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loans might be a good choice 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 classified as government loans. Credit and income 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 home loan is right for you? A professional Mr. Cooper loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Begin in Chesapeake, VA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Chesapeake to demonstrate that you're serious about buying a home. 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 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 Chesapeake. Call now to get the super-smart help you want!

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