Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

Apply for a Home Loan in Davis, CA

For all your Davis home loan needs, call Mr. Cooper. We're your purchase and refinance partner in California.

Busy? Have us call you back. Call Me Back

More Information

Get Started on Your Davis Home Loan Journey

A home isn't a one size fits all kind of thing. The same can be said for home loans in California. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our goal is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to continue reading for basic information about selecting a mortgage loan, but also reach out to Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A not-so-great credit score may mean you'll have a higher interest rate on your mortgage loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit score, financial situation, and the timeline you're looking to move can all impact the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in Davis, CA

Davis 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 loans might be a good choice for you if you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

FHA loans and VA loans are both types of government loans. Credit and salary/wage requirements are often different than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A professional loan officer can help you understand your options and next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Davis, CA

Secure a Verified Approval Letter from the lender before you begin looking for houses in Davis to demonstrate that you really do intend to buy. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. The letter can also carry more weight to sellers you can afford the home they’re selling. Contact a Mr. Cooper mortgage professional today to chat about everything from your credit, possible loan options and your Verified Approval letter. Now is a great time for buying a home in Davis. What are you waiting for? See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews from Real Customers in Davis, CA

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

Overall Rating

out of 5 stars ( customer reviews)

We're changing the face of home loans.

With Mr. Cooper, you can get pre-approved for a mortgage and get into a new home sooner.