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Why Choose Mr. Cooper Mortgages in California?

Ready to make your home ownership dreams come true? Let's do it. 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 California 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. There’s a lot you can do with Mr. Cooper in California — including learning more about finances in general and learning about your credit score.

We know getting a mortgage can feel overwhelming, particularly when you're a first-time home buyer in California. Mr. Cooper can explain how everything applies to your situation. Just give us a call. Here's what you need to know in the meantime.

Conventional loans are one of the most common and popular mortgage options for home buyers in California. These are loans that are not insured by the federal government. The government backs other home loan types, while private lenders like Mr. Cooper back conventional loans. Some benefits of a conventional loan could include numerous term lengths and agreeable interest rates.

As a California home buyer, you might be eligible for FHA financing, another type of home loan. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Reach out to Mr. Cooper today to learn about FHA loan requirements in California.

VA home loans aren't available to everyone. You must be an active duty service member, a veteran, or a surviving spouse of a veteran to apply. If you're trying to buy a home in California as a veteran, surviving spouse, or an active-duty service member, you could qualify 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. Due to the uniqueness of this home loan option, we encourage you to call a Mr. Cooper mortgage professional to learn more about VA loans in California. Get Started

Mr. Cooper Mortgage Refinancing in California

Mr. Cooper offers mortgage refinancing in California in addition to new home loans. Refinancing a home loan is simple. It means you pay off your existing home loan and replace it with a new one that's a better fit for your financial situation. The new loan could come with a shorter loan term, a more favorable interest rate, or both. Most of the time, the objective of refinancing is to obtain a lower interest rate and cut down your monthly payment (so you can spend more money on making memories and building a life in your California home!).

Similar to how there are different options for new home loans, there are also different options for refinancing. There's refinancing to get a more favorable interest rate or loan term. Another option is cash-out refinancing.† This option lets homeowners leverage the equity they've built in their house as cash to pay for things like home improvements or college tuition.† This type of refinancing also allows for debt consolidation, since you can use equity from your home to tap into cash and pay down credit card debt, medical bills, or auto loans.^ Whatever your situation, Mr. Cooper in California can help you learn more about refinancing and choose the right refinance option.

Buying or Selling a Home in California with Mr. Cooper

Buying a house in California? Then you may want to start by seeking professional guidance for how to buy a house in California and get prequalified for a mortgage in California. California's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date insights. How can a Mr. Cooper mortgage professional help streamline your home-buying journey? We can help in a few ways: First, we’ll help you determine how much house you can realistically afford to purchase. Next, we can help you prequalify for a mortgage in California and connect you with our affiliate to help find a reliable real estate agent.** Last but not least, Mr. Cooper can help you secure a home loan that aligns with your financial situation and advances your dream of being a homeowner. From open house to closing day, Mr. Cooper is your ally.

Preparing to sell a home in California? Mr. Cooper has your back there, too. We understand the challenges that come with selling a home in California, especially when you're trying to do it for the first time. Mr. Cooper can connect you to expert team members and resources through our affiliate that offer both education and benefits related to real estate closing costs and commissions. And as a buyer, you could be eligible for a special credit at closing and gain access to thousands of listings.* Ask about our California Mr. Cooper Real Estate Rewards program to learn more as both a home buyer and seller in California!

Mr. Cooper is here to be your advocate on your homeowner journey. Contact us to learn more about home loans, refinancing, and buying or selling a home in California. We’ve got your back.

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