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Apply for a Home Loan in Marion, VA

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Get Started on Your Marion Home Loan Journey

Houses aren't one size fits all. The same can be said for home loans in Virginia. Getting the best fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the mortgage loan process. We encourage you to read on for basic details about picking your Marion home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to get it in tip-top shape. A poor credit rating may mean you end up with a higher interest rate on your home loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit score, financial state, and the timing in which you're looking to move can all impact the loan type that aligns with your goals. So, what loans can you pick from?

What Types of Loans Are There in Marion, VA?

You may have options when it comes to Marion home loans: 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 fall into the government loan category. Credit and income requirements are often laid-back 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. How do you know which home loan is the best for you? A trained loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Begin in Marion, VA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Marion 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. The letter can also carry more weight to sellers you can afford the home they’re selling. Call the mortgage team at Mr. Cooper today to chat about everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Marion. What are you waiting for? Get started with the help you need!

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