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

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Finding Your Fit, Finding Your Danville Home Loan

Houses aren't one size fits all. Neither are home loans in Danville. Finding the right fit for you may require some comparison shopping! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to continue reading for general details about picking your Danville home loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

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 could mean you are presented with a higher interest rate on your loan. On the flip side, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, finances, and and the timeframe you'd like to make your move can all impact the type of loan that matches your needs. So, what loans can you pick from?

Different Types of Home Loans in Danville, VA

There are several different types of home loans available to Danville 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 loan may be the perfect option for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

VA loans and FHA loans are both types of government loans. Income and credit requirements are usually a little more different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which one of these home loans is a good fit 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.

Get a Preapproval Letter Before You Shop in Danville, VA

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Danville to demonstrate that you're serious about buying a home. 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 seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Danville. Call now to get the super-smart help you want!

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