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Compare Stafford, VA Home Loans

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Get Started on Your Stafford Home Loan Journey

Homes aren't one size fits all structures. Stafford home loans aren’t either. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our mission is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to continue reading for general details about picking your Stafford home loan, but also call a Mr. Cooper mortgage professional for any questions you may 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 could mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit history, financial situation, and the timeframe you're looking to move can all affect the type of home loan that fits your needs. So, what options are out there for you?

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

There are several different types of home loans available to Stafford 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 loans might be a good choice for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA loans and VA loans are both classified as government loans. Income and credit requirements are often different criteria 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 one of these home loans is a good fit for you? A professional 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 Stafford, VA

Secure a Verified Approval Letter from the lender before you start going to Open Houses in Stafford to demonstrate that you're serious about buying a home. 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. It can also speed up seller’s you’re serious about 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. It could be the perfect season for you to buy a new house in Stafford. Get started with the help you need!

Stafford, VA Mr. Cooper Reviews

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