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Getting the Home Loan in Phillips, WI That's Best for You

Houses aren't one size fits all. The same can be said for home loans in Wisconsin. Getting the best fit for you takes some shopping around! Mr. Cooper can help! Our mission 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 introductory details about picking your Phillips home loan, but also call a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A not-so-great credit score might mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you secure a better rate with your potential lender. Your credit history, finances, and and the timeframe you wish to make your move can all be a factor in the type of loan that matches your needs. So, what loans can you pick from?

Different Types of Home Loans in Phillips, WI

You may have options when it comes to Phillips 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 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.

VA and FHA loans are both classified as government loans. Income and credit requirements are usually a little more different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses 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 understand your options and next steps, depending on where you are on your journey.

Start with a Preapproval Letter in Phillips, WI

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Phillips to indicate that you're a serious buyer. 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 with the real estate agent and seller because they know you can afford the home. Call the mortgage team at Mr. Cooper now to talk about all things loan-related! We'll walk through everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Phillips. What are you waiting for? Get started with the help you need!

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