Why Choose Mr. Cooper in Troy, AL?

Busy? Have us call you back. Call Me Back

More Information

Mr. Cooper Mortgages in Troy, AL

Let's make your home ownership dreams a reality. As the nation's third-largest home loan servicer, Mr. Cooper is ready to support you throughout your journey to home ownership. Mr. Cooper in Troy can be your home loan ally, whether you're looking for a conventional home loan, a Federal Housing Administration loan (FHA), or a VA loan. You can do so much with Mr. Cooper in Troy — including learn more about mortgage rates, credit scores, and budgeting.

We know that getting a mortgage can be complicated, especially if you're a first-time home buyer in Troy, AL. Give us a call to see how it applies to you. Until then, here's what you need to know to get started.

Conventional loans are a popular mortgage option for Troy home buyers. These are loans that are not insured by the federal government. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. Some benefits of a conventional loan could include various term lengths and favorable interest rates.

FHA is another home loan type that may be available to you as a Troy home buyer. FHA stands for Federal Housing Administration. Accordingly, FHA loans are backed by the government. An FHA loan can have more flexible credit requirements and typically allows for a lesser down payment than a conventional loan. Reach out to Mr. Cooper today to learn about FHA loan requirements in Troy.

VA home loans are only available to service members, veterans, and their spouses. If you're trying to buy a house in Troy and you're an active-duty service member, a veteran, or a surviving spouse, you may be eligible for a VA loan. At Mr. Cooper, it's our honor to help our nation's veterans, active-duty service members, and their families realize their dreams of home ownership. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Troy. Get Started

Mr. Cooper Mortgage Refinancing in Troy

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Troy. Refinancing your home loan simply means paying off your current home loan and replacing it with a new one that better suits your financial needs. The new loan could come with a shorter loan term, a more favorable interest rate, or both. Generally speaking, the objective of refinancing is to get a lower interest rate and reduce your monthly payment (so you can invest more money in making memories in your Troy house!).

Similar to how there are different options for new home loans, there are also different options for refinancing. For one, you can refinance for a more favorable loan term or interest rate. There's also cash-out refinancing, which allows homeowners who want to leverage equity they have built in their home as cash to pay for home remodeling or higher education. Cash-out refinancing can also be a method for debt consolidation, since you can also use equity from your home to tap into cash and pay down car loans, credit card debt, or medical bills.^ The right refinance option is a phone call away. Contact Mr. Cooper in Troy to learn more about refinancing today.

Buy or Sell a House in Troy with Mr. Cooper's Help

Are you ready to buy a house in Troy, AL? Then you'll probably want to look into getting prequalified for a mortgage in Troy and seek professional assistance for how to buy a home in Troy. The real estate market in Alabama is always changing, and Mr. Cooper mortgage professionals are equipped with the most up-to-date information. Mr. Cooper mortgage professionals will help simplify your home-buying experience in a few ways: First, we can help you estimate how much house you can afford. Next, we can help you prequalify for a mortgage in Troy and introduce you to our affiliate to find a dependable real estate agent.* Lastly, Mr. Cooper can help you secure a home loan that meets your financial needs and advances your dream of being a homeowner. From open house to closing day, Mr. Cooper is your ally.

Are you researching how to sell a house in Troy, AL? Turn to Mr. Cooper for help. We know the difficulties that come with selling a home in Troy, especially when you're trying to do it for the first time. As a seller, you'll get in-depth marketing and sales insight at a good value. And as a buyer, you'll gain access to thousands of new listings and could be eligible for a special credit at closing.** Ask about the Mr. Cooper Real Estate Rewards program in Troy to learn more.

Mr. Cooper is here to help you on your journey to home ownership. Call today for more information about home loans, refinancing, and buying or selling a home in Troy. We are here for you.

What’s Your Goal?

We see home loans differently. We see them through your eyes.

Welcome to the world of Mr. Cooper, a place with no online transaction fees, quality U.S.-based customer service, and a cutting-edge mobile app that gives you more of what you want.