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Compare Harrisonburg, VA Home Loans

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Finding Your Fit, Finding Your Harrisonburg Home Loan

Houses aren't one size fits all. The same can be said for home loans in Virginia. Securing the correct fit for your needs 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 read on for introductory information about finding a home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A poor credit rating might mean you are presented with a higher interest rate on your loan. On the flip side, a higher credit rating can help you advocate for your best rate with a lender. Your credit history, financial state, and the timing in which you're looking to move can all affect the type of home loan that fits your needs. So, what's out there to choose from?

Different Types of Home Loans in Harrisonburg, VA

You may have options when it comes to Harrisonburg home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan may be the perfect option 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 loans and VA loans fall into the government loan category. Income and credit requirements are often different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A professional loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Begin in Harrisonburg, VA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Harrisonburg to indicate that you've done your due diligence. 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 show to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Harrisonburg. What are you waiting for? See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews from Real Customers in Harrisonburg, VA

Take it from these happy Mr. Cooper mortgage customers in Harrisonburg, VA: We love helping homeowners. Call now to see how we can serve you.

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