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Compare Fairwood, WA Home Loans

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Get Started on Your Fairwood Home Loan Journey

Houses aren't one size fits all. Fairwood home loans aren’t either. Securing the correct fit for your needs may require some comparison shopping! That’s where Mr. Cooper can help. Our mission is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for basic information about finding a home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and work 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 other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit strength, financial situation, and the timing in which you'd like to make your move can all impact the type of loan that matches your needs. So, what options are out there for you?

What Types of Loans Are There in Fairwood, WA?

You may have options when it comes to Fairwood 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 loans might be a good choice 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 and FHA loans are both types of government loans. Credit and income requirements are usually a little more different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Begin in Fairwood, WA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you start shopping for homes in Fairwood 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 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 credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Fairwood. What are you waiting for? Get started with the help you need!

Fairwood, WA Mr. Cooper Reviews

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

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