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Find a Home Loan in Falls Church, VA

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On Your Way Toward a New Home Loan in Falls Church, VA

A home isn't a one size fits all kind of thing. Falls Church home loans aren’t either. Securing the correct fit for your needs takes some shopping around! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for general information about finding a home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and try your best 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 flip side, a strong credit score can help you advocate for your best rate with a lender. Your credit history, finances, and and the timing in which you're looking to move can all impact the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in Falls Church, VA

You may have options when it comes to Falls Church home loans: 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. Income and credit requirements tend to have different than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. Which home loan is right for you? A trained loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Falls Church, VA

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Falls Church to demonstrate that you've done your due diligence. 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. Contact a Mr. Cooper mortgage professional today to discuss everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Falls Church. What are you waiting for? Call now to get the super-smart help you want!

Mr. Cooper Reviews from Real Customers in Falls Church, VA

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