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Compare Aberdeen, WA Home Loans

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Get Started on Your Aberdeen Home Loan Journey

Homes aren't one size fits all structures. The same can be said for home loans in Washington. Securing the correct fit for your needs takes some shopping around! That’s where Mr. Cooper can help. Our aim is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to continue reading for introductory information about finding a home loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and work to get it in tip-top shape. A not-so-great credit score might mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you advocate for your best rate with a lender. Your credit score, financial state, and the timeline you'd like to make your move can all impact the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in Aberdeen, WA

Aberdeen home buyers have more than one type of home loan to choose from. There are: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan may be the perfect option 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.

VA loans and FHA loans are both classified as government loans. Credit and income requirements are often different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A professional Mr. Cooper loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Aberdeen, WA

Get a Verified Approval Letter from your lender before you start going to Open Houses in Aberdeen to indicate that you're a serious buyer. 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. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Give us a call now to talk about all things loan-related! We'll walk through everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Aberdeen. What are you waiting for? Call now to get the super-smart help you want!

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