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Apply for a Home Loan in Great Falls, VA

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Get Started on Your Great Falls Home Loan Journey

A home isn't a one size fits all kind of thing. Neither are home loans in Great Falls. Getting the best fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive starting with the mortgage loan process. We hope you'll keep reading for general details about picking your Great Falls home loan, but also reach out to 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 not-so-great credit score could mean you are presented with a higher interest rate on your loan. On the other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit score, financial state, and the timeline you're looking to move can all impact the loan type that aligns with your goals. So, what options are out there for you?

What Home Loan Options Do I Have in Great Falls, VA?

Great Falls home buyers have more than one type of home loan to choose from. There are: 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 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 and FHA loans fall into the government loan category. Credit and income requirements tend to have 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 home loan is right for you? A professional loan officer can help you understand your options and next steps, depending on your stage in the journey.

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

Get a Verified Approval Letter from your lender before you begin looking for houses in Great Falls to indicate 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. Call the mortgage team at Mr. Cooper today to discuss everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Great Falls. Call now to get the super-smart help you want!

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

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