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Find a Home Loan in Yakima, WA

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

A home isn't a one size fits all kind of thing. Yakima home loans aren’t either. Securing the correct fit for your needs takes some shopping around! 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 mortgage loan process. We hope you'll keep reading for basic information about finding a home loan, but also contact a Mr. Cooper mortgage expert with questions about your situation.

As you start looking for loans, check your credit and try your best to improve your score. A low credit score may mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit strength, finances, and and the timing in which you're looking to move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in Yakima, WA?

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

FHA loans and VA loans are both classified as government loans. 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. Which one of these home loans is a good fit for you? A professional loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Yakima, WA

Talk to your lender about a Verified Approval Letter. Get one before you start shopping for homes in Yakima to demonstrate that you've done your due diligence. 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. Contact a Mr. Cooper mortgage professional today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Yakima. What are you waiting for? Get started with the help you need!

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