Why Choose Mr. Cooper in Capitola, CA?

Busy? Have us call you back. Call Me Back

More Information

Prequalify for a Mortgage in Capitola, CA with Mr. Cooper

Looking to become a homeowner? It's the perfect time to do so. As the nation's third-largest home loan servicer, Mr. Cooper is ready to assist you in your journey to becoming a homeowner. Mr. Cooper in Capitola 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 Capitola — including learning more about finances in general and learning about your credit score.

We understand that getting a mortgage can seem puzzling, and even more so when you're a first-time home buyer in Capitola, CA. Give us a call to see how it applies to you. 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 Capitola. The federal government does not insure these loans. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. Some advantages of a conventional loan could include various term lengths and favorable interest rates.

Depending on your situation, you may want to consider another type of home loan that's available to many Capitola home buyers. It's called FHA. FHA loans, or Federal Housing Administration 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. Ask Mr. Cooper about FHA loan requirements in Capitola today.

Only service members, veterans, and their spouses can receive a VA home loan. If you're getting ready to buy a home in Capitola and are a veteran, active-duty service member, or surviving spouse, you could 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 Capitola. Get Started

Mr. Cooper Refinancing in Capitola

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Capitola. 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. 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 Capitola home!).

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. Cash-out refinancing is another option.† It allows homeowners who want to leverage their home's equity as cash to invest in things like home remodeling or higher education. This type of refinancing also allows for debt consolidation, since you can use equity from your home to tap into cash and pay down car loans, credit card debt, or medical bills.^ Mr. Cooper in Capitola can help you learn more about refinancing and choose the right refinance option for your situation.

Buying or Selling a Home in Capitola with Mr. Cooper

Getting ready to buy a home in Capitola, CA? Then you may want to start by seeking professional guidance for how to buy a house in Capitola and get prequalified for a mortgage in Capitola. Despite California's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. How can a Mr. Cooper mortgage professional help streamline your home-buying journey? We can help 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 Capitola and recommend you to our affiliate to locate a good real estate agent near you.* Finally, Mr. Cooper can help you get a home loan that satisfies your financial needs and advances your dream of being a homeowner. From open house to closing day, Mr. Cooper is your ally.

Selling a house in Capitola, CA? Mr. Cooper can help you there, too. We know the challenges that come with selling a home in Capitola, whether you're trying to sell a home for the first or fifteenth time. As a seller, you'll receive extensive sales and marketing service at a great value. And as a buyer, you'll have access to thousands of home listings and might qualify for a Buyer's Bonus Credit at closing.** Ask about our Capitola Mr. Cooper Real Estate Rewards program to learn more.

Mr. Cooper is here to keep the dream of home ownership alive for every customer — including you. Give us a call for more information about home loans, refinancing, and buying or selling a home in Capitola. We're your ally.

What’s Your Goal?

We're changing the face of home loans.

Get the facts about refinancing, buying or selling a home, consolidating debt, and more. Mr. Cooper is here for you.