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Compare Fort Lewis, WA Home Loans

Ready to buy a house in Fort Lewis 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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Getting the Home Loan in Fort Lewis, WA That's Best for You

Houses aren't one size fits all. Fort Lewis home loans aren’t either. Getting the best fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the loan process. We encourage you to read on for introductory details about picking your Fort Lewis home loan, but also contact a Mr. Cooper mortgage professional for any questions you may 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 might mean you'll have a higher interest rate on your mortgage loan. On the other hand, a high credit score can help you secure a better rate with your potential lender. Your credit score, financial situation, and the timing in which you'd like to make your move can all influence the loan type that aligns with your goals. So, what options are out there for you?

Different Types of Home Loans in Fort Lewis, WA

There are several different types of home loans available to Fort Lewis home buyers: 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 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 loans and VA loans fall into the government loan category. Credit and income 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. How do you know which home loan is the best for you? A trained loan officer can help you get to know your options and what comes next, depending on where you are on your journey.

Start with a Preapproval Letter in Fort Lewis, WA

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Fort Lewis to demonstrate 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 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 Fort Lewis. Call now to get the super-smart help you want!

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