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Find a Home Loan in Merrifield, VA

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On Your Way Toward a New Home Loan in Merrifield, VA

Homes aren't one size fits all structures. Merrifield home loans aren’t either. Securing the correct fit for your needs requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our goal is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We hope you'll keep reading for routine details about picking your Merrifield home loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and try your best to improve your score. A low credit score may mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you advocate for your best rate with a lender. Your credit history, financial situation, and the timing in which you'd like to make your move can all impact the type of loan that matches your needs. So, what loans can you pick from?

Different Types of Home Loans in Merrifield, VA

There are several different types of home loans available to Merrifield home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan could be a great route 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 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. Which home loan is right for you? A trained loan officer can help you get to know your options and what comes next, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Merrifield, VA

Secure a Verified Approval Letter from the lender before you start shopping for homes in Merrifield to demonstrate 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 with the real estate agent and seller because they know you can afford the home. Give us a call today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Merrifield. See how we can help you navigate your next home-buying experience!

Merrifield, VA Mr. Cooper Reviews

Read real stories from real Mr. Cooper home mortgage customers in Merrifield, VA. Then contact us to see what we can do for you.

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With Mr. Cooper, you can get pre-approved for a mortgage and get into a new home sooner.