Contact Mr. Cooper in Folsom, CA

Busy? Have us call you back. Call Me Back

More Information

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

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. Whether you want to learn more about conventional home loans, Federal Housing Administration loans (FHA), or VA loans, you can turn to Mr. Cooper. There’s a lot you can do with Mr. Cooper in Folsom — including learning more about finances in general and learning about your credit score.

We understand that getting a mortgage can seem puzzling, particularly when you're a first-time home buyer in Folsom, CA. Call a Mr. Cooper mortgage professional for one-on-one guidance. In the meantime, here’s what you need to know.

Conventional loans are a popular choice for Folsom home buyers and are actually one of the most common mortgage options. 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 may include numerous term lengths and agreeable interest rates.

Depending on your situation, you may want to consider another type of home loan that's available to many Folsom home buyers. It's called FHA. FHA loans, or Federal Housing Administration loans, are backed by the government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Learn more about FHA loan requirements in Folsom with Mr. Cooper.

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 getting ready to buy a home in Folsom 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 privilege to serve veterans and help them 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 Folsom. Get Started

Mr. Cooper Mortgage Refinancing in Folsom

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Folsom. 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 might come with a more favorable interest rate, a shorter loan term, or both. A majority of the time, the objective of refinancing is to secure a lower interest rate and cut down your monthly payment (so you can spend more time and money making your Folsom home just the way you want it!).

There are a few different ways you can refinance your home loan. One option is to refinance to get a better interest or loan term. 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 improvements or college tuition.† 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 medical bills, car loans, or credit card debt.^ The right refinance option is a phone call away. Contact Mr. Cooper in Folsom to learn more about refinancing today.

Selling or Buying a House in Folsom with Mr. Cooper

Buying a house in Folsom, CA? Then you'll probably want to look into getting prequalified for a mortgage in Folsom and seek professional assistance for how to buy a home in Folsom. California's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date insights. 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 Folsom and introduce you to our affiliate to find a dependable real estate agent.* Lastly, Mr. Cooper can help you get a home loan that satisfies your financial needs and advances your dream of being a homeowner. Think of Mr. Cooper as your ally, from home search to closing on your loan.

Are you researching how to sell a house in Folsom, CA? Turn to Mr. Cooper for help. We understand the difficulties that come with selling a home in Folsom, 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 Folsom to learn more.

Mr. Cooper is here to be your advocate on your homeowner journey. Call today for more information about refinancing, home loans, and selling or buying a house in Folsom. We're your ally.

What’s Your Goal?

We're here to support you on the path to home ownership.

Work with Mr. Cooper for no online transaction fees, friendly U.S.-based customer service, and a cutting-edge mobile app with more tools and info than you can imagine.