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

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Get Started on Your Lynchburg Home Loan Journey

Homes aren't one size fits all structures. The same can be said for home loans in Virginia. Getting the best fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for introductory information about selecting a mortgage loan, but also call 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 less-than-stellar credit score may mean you'll have a higher interest rate on your mortgage loan. On the other hand, a high credit score can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timing in which you're looking to move can all influence the type of home loan that fits your needs. So, what options are out there for you?

What Types of Loans Are There in Lynchburg, VA?

Lynchburg 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 you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

FHA and VA loans are both types of government loans. 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 compare loans and plan your next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Lynchburg, VA

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Lynchburg to show 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 speed up seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Lynchburg. What are you waiting for? Get started with the help you need!

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