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

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Get Started on Your Des Moines Home Loan Journey

A home isn't a one size fits all kind of thing. The same can be said for home loans in Washington. Finding the right fit for you requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for basic details about picking your Des Moines home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and try your best to get it in tip-top shape. A low credit score might mean you are presented with a higher interest rate on your loan. On the other hand, a high credit score can help you secure a better rate with your potential lender. Your credit strength, finances, and and the timing in which you'd like to make your move can all affect the type of loan that matches your needs. So, what loans can you pick from?

What Types of Loans Are There in Des Moines, WA?

You may have options when it comes to Des Moines home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming 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 types of government loans. Income and credit requirements tend to have 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 home loan is right for you? A trained loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Start with a Preapproval Letter in Des Moines, WA

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Des Moines to indicate that you really do intend to buy. 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. It can also show to sellers you can buy the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. It could be the perfect season for you to buy a new house in Des Moines. Call now to get the super-smart help you want!

Des Moines, WA Mr. Cooper Reviews

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