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On Your Way Toward a New Home Loan in River Falls, WI

Houses aren't one size fits all. Neither are home loans in River Falls. Finding the right fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our aim is to transform the homeownership journey into an enjoyable one, starting with the loan process. We encourage you to continue reading for routine information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and work to get it in tip-top shape. A low 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 advocate for your best rate with a lender. Your credit strength, financial situation, and the timeline you wish to make your move can all be a factor in the type of home loan that fits your needs. So, what loans can you pick from?

What Home Loan Options Do I Have in River Falls, WI?

River Falls home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA streamline loans, FHA loans, high balance conforming loans, VA loans, and VA Interest Rate Reduction Loans (VA IRRRL). A conventional loan could be a great route 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 tend to have 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 understand your options and next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in River Falls, WI

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in River Falls to indicate 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 with the real estate agent and seller because they know you can afford the home. Give us a call now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in River Falls. What are you waiting for? See how we can help you navigate your next home-buying experience!

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