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Compare Racine, WI Home Loans

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Get Started on Your Racine Home Loan Journey

Homes aren't one size fits all structures. The same can be said for home loans in Wisconsin. Finding the right fit for you takes some shopping around! That’s where 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 general details about picking your Racine home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and try your best to improve your score. A poor credit rating could mean you are presented with a higher interest rate on your loan. On the flip side, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit history, financial state, and the timeline you wish to make your move can all influence the type of loan that matches your needs. So, what loans can you pick from?

Different Types of Home Loans in Racine, WI

You may have options when it comes to Racine 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 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 loans and FHA loans are both types of government loans. Credit and salary/wage requirements are usually a little more 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 one of these home loans is a good fit for you? A trained loan officer can help you get to know your options and what comes next, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Racine, WI

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Racine to show 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 with the real estate agent and seller because they know you can afford the home. Give us a call today to discuss everything from your Verified Approval letter to your credit and loan options. Now is a great time for buying a home in Racine. What are you waiting for? See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews from Real Customers in Racine, WI

Take it from these happy Mr. Cooper mortgage customers in Racine, WI: We love helping homeowners. Call now to see how we can serve you.

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