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Compare Norfolk, VA Home Loans

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Getting the Home Loan in Norfolk, VA That's Best for You

Homes aren't one size fits all structures. Neither are home loans in Norfolk. Securing the correct fit for your needs may require some comparison shopping! That's where Mr. Cooper comes in. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to continue reading for basic details about picking your Norfolk home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and try your best to improve your score. A less-than-stellar credit score may mean you'll have a higher interest rate on your mortgage loan. On the other hand, a strong credit score can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timeline you're looking to move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Norfolk, VA

You may have options when it comes to Norfolk home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. 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 loans and VA loans are both types of government loans. Income and credit 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. Which home loan is right for you? A trained loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Start with a Preapproval Letter in Norfolk, VA

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Norfolk to show that you're a serious buyer. 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 seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper 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 could be the perfect time for you to buy a house in Norfolk. Call now to get the super-smart help you want!

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