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

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

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

Homes aren't one size fits all structures. The same can be said for home loans in Virginia. Getting the best fit for you takes some shopping around! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive starting with the loan process. We encourage you to read on for general information about selecting a mortgage loan, but also contact a 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 low credit score may mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit score, financial situation, and the timing in which you'd like to make your move can all affect the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Fairfax, VA

There are several different types of home loans available to Fairfax 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 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 fall into the government loan category. Credit and income requirements tend to have 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. Which home loan is right for you? A trained 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 Fairfax, VA

Secure a Verified Approval Letter from the lender before you begin looking for houses in Fairfax to show that you really do intend to buy. 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 speed up with the real estate agent and seller because they know you can afford the home. Contact a Mr. Cooper mortgage professional today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Fairfax. What are you waiting for? Get started with the help you need!

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