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Compare Edmonds, WA Home Loans

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

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Finding Your Fit, Finding Your Edmonds Home Loan

A home isn't a one size fits all kind of thing. Edmonds home loans aren’t either. Finding the right fit for you takes some shopping around! That’s where Mr. Cooper can help. Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to read on for introductory details about picking your Edmonds home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and work to get it in tip-top shape. A low credit score may mean you end up with a higher interest rate on your home loan. On the flip side, a high credit score can help you secure a better rate with your potential lender. Your credit history, financial state, and the timing in which you're looking to move can all influence the type of loan that matches your needs. So, what's out there to choose from?

What Home Loan Options Do I Have in Edmonds, WA?

You may have options when it comes to Edmonds home loans: 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 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 fall into the government loan category. Credit and salary/wage requirements tend to have 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. Which one of these home loans is a good fit for you? A loan officer can help you compare loans and plan your next steps, depending on your position in the process.

Begin in Edmonds, WA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Edmonds to indicate that you're a serious buyer. 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 seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Edmonds. What are you waiting for? Call now to get the super-smart help you want!

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