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Compare Kent, WA Home Loans

Ready to buy a house in Kent 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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Get Started on Your Kent Home Loan Journey

Homes aren't one size fits all structures. 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 can help. Our aim 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 continue reading for introductory information about selecting a mortgage loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

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 end up with a higher interest rate on your home loan. On the other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit score, financial situation, and the timeframe you'd like to make your move can all influence the loan type that aligns with your goals. So, what loans can you pick from?

Different Types of Home Loans in Kent, WA

There are several different types of home loans available to Kent home buyers: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan may be the perfect option for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA loans and VA loans fall into the government loan category. Income and credit requirements tend to have different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A trained loan officer can help you understand your options and next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Kent, WA

Get a Verified Approval Letter from your lender before you start going to Open Houses in Kent to demonstrate 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 speed up to sellers you can buy the home they’re selling. Give us a call today to chat about everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Kent. What are you waiting for? See how we can help you navigate your next home-buying experience!

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