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Apply for a Home Loan in Olympia, WA

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

A home isn't a one size fits all kind of thing. Neither are home loans in Olympia. Finding the right fit for you requires some loan-to-loan comparisons! Mr. Cooper can help! Our goal is to keep the dream of homeownership alive beginning with the mortgage loan process. We hope you'll keep reading for introductory information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

Check your credit before you start applying for loans and try your best to improve your score. A low credit score could mean you are presented with a higher interest rate on your loan. On the other hand, a high credit score can help you negotiate your best rate with a potential lender. Your credit score, financial state, and the timeframe you're looking to move can all be a factor in the type of home loan that fits your needs. So, what options are out there for you?

Different Types of Home Loans in Olympia, WA

You may have options when it comes to Olympia 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 fall into the government loan category. Credit and salary/wage requirements tend to have 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 trained loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Olympia, WA

Get a Verified Approval Letter from your lender before you start going to Open Houses in Olympia to indicate that you're serious about buying a home. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also speed up to sellers you can buy the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Olympia. Call now to get the super-smart help you want!

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