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Compare University Place, WA Home Loans

Ready to buy a house in University Place 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 University Place Home Loan Journey

A home isn't a one size fits all kind of thing. Neither are home loans in University Place. Getting the best fit for you may require some comparison shopping! Mr. Cooper can help! Our mission is to keep the dream of homeownership alive beginning with the mortgage loan process. We encourage you to read on for introductory information about selecting a mortgage loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and try your best to improve your score. A less-than-stellar credit score might mean you'll have a higher interest rate on your mortgage loan. On the other hand, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit score, financial situation, and the timeline you'd like to make your move can all impact the loan type that aligns with your goals. So, what options are out there for you?

Different Types of Home Loans in University Place, WA

You may have options when it comes to University Place home loans: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline 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.

FHA loans and VA loans are both classified as government loans. Income and credit requirements are often 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 home loan is right for you? A loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Begin in University Place, WA with a Preapproval Letter

Get a Verified Approval Letter from your lender before you begin looking for houses in University Place to demonstrate that you're a serious buyer. 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 show to sellers you can buy the home they’re selling. 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 University Place. Call now to get the super-smart help you want!

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