Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

Find the Bellingham, WA Home Loan That's Best for You

Ready to buy a house in Bellingham but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

Busy? Have us call you back. Call Me Back

More Information

Get Started on Your Bellingham Home Loan Journey

Houses aren't one size fits all. Bellingham home loans aren’t either. Finding the right fit for you takes some shopping around! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive starting with the loan process. We hope you'll keep reading for general details about picking your Bellingham 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 try your best to get it in tip-top shape. A low credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit strength, financial state, and the timing in which you wish to make your move can all affect the loan type that aligns with your goals. So, what options are out there for you?

Different Types of Home Loans in Bellingham, WA

There are several different types of home loans available to Bellingham home buyers: 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 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.

FHA and VA loans are both classified as government loans. Income and credit requirements tend to have 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 loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Bellingham, WA

Secure a Verified Approval Letter from the lender before you start shopping for homes in Bellingham to show 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 with the real estate agent and seller because they know you can buy the home. 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 Bellingham. See how we can help you navigate your next home-buying experience!

Bellingham, WA Mr. Cooper Reviews

Read real stories from real Mr. Cooper home mortgage customers in Bellingham, WA. Then contact us to see what we can do for you.

Overall Rating

out of 5 stars ( customer reviews)

We're changing the face of home loans.

Work with Mr. Cooper to get pre-approved and get into the home of your dreams.