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Compare Eau Claire, WI Home Loans

Ready to buy a house in Eau Claire 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 Eau Claire Home Loan Journey

A home isn't a one size fits all kind of thing. Eau Claire home loans aren’t either. Securing the correct fit for your needs requires some loan-to-loan comparisons! That's where Mr. Cooper comes in. Our aim is to keep the dream of homeownership alive starting with the loan process. We encourage you to continue reading for basic information about finding a home loan, but also contact a 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 poor credit rating could mean you'll have a higher interest rate on your mortgage loan. On the other hand, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, finances, and and the timeline you're looking to move can all influence the type of home loan that fits your needs. So, what options are out there for you?

What Home Loan Options Do I Have in Eau Claire, WI?

Eau Claire home buyers have more than one type of home loan to choose from. There are: 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 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 and VA loans fall into the government loan category. Credit and salary/wage requirements tend to have laid-back 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 understand your options and next steps, depending on your position in the process.

Get a Preapproval Letter Before You Shop in Eau Claire, WI

Get a Verified Approval Letter from your lender before you start shopping for homes in Eau Claire to demonstrate that you really do intend to buy. 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 seller’s you’re serious about the home they’re selling. Call the mortgage team at Mr. Cooper now to talk about all things loan-related! We'll walk through everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Eau Claire. Get started with the help you need!

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