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Compare Reston, VA Home Loans

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Get Started on Your Reston 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 takes some shopping around! 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 continue reading for introductory information about finding a home loan, but also reach out to Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A low credit score could mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit history, financial situation, and the timeline you're looking to move can all be a factor in the loan type that aligns with your goals. So, what loans can you pick from?

What Types of Loans Are There in Reston, VA?

There are several different types of home loans available to Reston home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loans might be a good choice 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 types of government loans. Income and credit requirements are usually a little more different 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 understand your options and next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Reston, VA

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Reston to indicate that you really do intend to buy. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. The letter can also carry more weight to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional 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 Reston. Call now to get the super-smart help you want!

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