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Apply for a Home Loan in Gig Harbor, WA

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Getting the Home Loan in Gig Harbor, WA That's Best for You

Houses aren't one size fits all. The same can be said for home loans in Washington. Finding the right fit for you takes some shopping around! That's where Mr. Cooper comes in. Our goal is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to continue reading for basic information about selecting a mortgage loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and work to get it in tip-top shape. A poor credit rating might mean you'll have a higher interest rate on your mortgage loan. On the flip side, a strong credit score can help you secure a better rate with your potential lender. Your credit history, financial situation, and the timeframe you'd like to make your move can all impact the type of home loan that fits your needs. So, what loans can you pick from?

What Home Loan Options Do I Have in Gig Harbor, WA?

You may have options when it comes to Gig Harbor 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.

VA and FHA loans fall into the government loan category. Income and credit requirements are often different 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 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 Gig Harbor, WA

Get a Verified Approval Letter from your lender before you start shopping for homes in Gig Harbor 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 seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Gig Harbor. Call now to get the super-smart help you want!

Mr. Cooper Reviews from Real Customers in Gig Harbor, WA

Take it from these happy Mr. Cooper mortgage customers in Gig Harbor, WA: We love helping homeowners. Call now to see how we can serve you.

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