Mr. Cooper Home Loans in Imperial, CA
In Imperial, planning a home purchase is easier when you have Mr. Cooper on your side. As a top-20 home lender and the third-largest home loan servicer in the country, we have the background to help you evaluate your loan options and solidify your home buying plan.
Work with a Mr. Cooper mortgage professional and you can get a customized strategy for approaching your home loan journey — one that will help you walk confidently. We can help you determine what today's mortgage rates are in Imperial, how much house you can afford, and also get prequalified for a mortgage in Imperial. Our mortgage professionals get to know your unique financial and living situation to come up with a strategic plan for securing the best mortgage for your needs. Learn more about various home mortgages below and contact a Mr. Cooper mortgage professional in Imperial to get started. You could prequalify for a mortgage in no time. Get Started
Are You Eligible for an FHA Loan in Imperial, CA?
If you're searching for a loan with a potentially lower down payment and flexible credit requirements, you might want to consider a Federal Housing Administration (FHA) loan. About 1 in 5 of all homebuyers go with this type of government-insured loan. The loan program is primarily designed to help homebuyers who cannot afford the traditional 20% down payment that is often required by private lenders. With a down payment that can be as low as 3.5%, an FHA loan can end up being a perfect match for buyers who aren't eligible for conventional loans.
Around Imperial, Mr. Cooper has seen FHA loans increase in popularity alongside the rise of rental costs and student loan debt — two circumstances that can make it hard to save money for a large down payment. Another perk to FHA loans is that they're usually available to borrowers with lower credit scores. Wherever you are on your journey, Mr. Cooper can help you determine if an FHA loan is right for you. And if it's not, we'll help you find a different financing route.
Could You Get a VA Loan in Imperial?
America's service men and women, veterans, and their spouses deserve the absolute best. If you think you may be eligible for a VA loan, Mr. Cooper can share their knowledge to help you get approved for a VA home loan in Imperial. Contact Mr. Cooper if you're starting the home buying process in Imperial and you could be eligible for a VA loan. This type of financing has many benefits and can make the home buying process simpler. Interest rates are often significantly lower than the broader mortgage market. You may not be required to put down a down payment, either. Confirming your VA eligibility for a VA loan in Imperial is fast and simple with a Mr. Cooper professional walking you through the application process.
Mr. Cooper Also Offers Jumbo Loans in Imperial
Jumbo loans are a good match for many homebuyers in Imperial. A jumbo loan, or a jumbo mortgage, exceeds the limits of a conventional loan. Jumbo loans are made to help people refinance or buy higher-valued real estate and are often in the millions. If you're curious about using a jumbo loan to buy a house in Imperial, you'll probably need larger loan amounts that surpass conventional loan limits. Call Mr. Cooper to learn more about jumbo loan eligibility in Imperial.
Buy a Home in Imperial with Help from Mr. Cooper
Mr. Cooper's family of mortgage professionals is ready to help you buy a house in Imperial. But we know that means different things to different people. Some people are only interested in knowing today's mortgage rates in Imperial. Others want to get preapproved for a mortgage in Imperial. While others are ready to apply for a home loan and close as soon as possible! Mr. Cooper's home buyer program in Imperial exists to make your dreams a reality. Talk to a mortgage professional today.
- This is not a commitment to lend. All loans are subject to credit and property approval. This offer is nontransferable and may not be combined with any other mortgage offer. Advertised offer is subject to change. If a personal code is present on the advertised offer, you must provide such code to claim the offer. We may gather information about you including, but not limited to, credit bureau information, information for verification of income, information for appraisal and verification of property being used for collateral. We also verify your identity. Income, assets, and debt must meet eligibility requirements as established by Government and/or Lender guidelines.