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Apply for a Home Loan in Oakton, VA

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

Houses aren't one size fits all. Neither are home loans in Oakton. Getting the best fit for you requires some loan-to-loan comparisons! Mr. Cooper can help! Our aim 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 introductory information about selecting a mortgage loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and try your best to improve your score. A poor credit rating may mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit history, finances, and and the timing in which you'd like to make your move can all influence the loan type that aligns with your goals. So, what's out there to choose from?

What Home Loan Options Do I Have in Oakton, VA?

Oakton 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 loan may be the perfect option 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.

VA loans and FHA loans are both classified as government loans. Income and credit requirements are usually a little more laid-back than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional loan officer can help you understand your options and next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Oakton, VA

Get a Verified Approval Letter from your lender before you start going to Open Houses in Oakton to demonstrate 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 seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Oakton. Get started with the help you need!

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