Special Offers From Mr. Cooper

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

Find a Home Loan in Rancho Mirage, CA

For all your Rancho Mirage 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

On Your Way Toward a New Home Loan in Rancho Mirage, CA

Houses aren't one size fits all. Neither are home loans in Rancho Mirage. Securing the correct fit for your needs requires some loan-to-loan comparisons! Mr. Cooper can help! Our aim is to keep the dream of homeownership alive starting with the mortgage loan process. We hope you'll keep reading for introductory details about picking your Rancho Mirage home loan, but also call a Mr. Cooper mortgage expert with questions about your situation.

Check your credit before you start applying for loans and work to get it in tip-top shape. A poor credit rating might mean you are presented with a higher interest rate on your loan. On the other hand, a higher credit rating can help you secure a better rate with your potential lender. Your credit history, finances, and and the timeline you wish to make your move can all affect the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Rancho Mirage, CA

There are several different types of home loans available to Rancho Mirage home buyers: 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 your income and employment history are stable, your credit is healthy, and you're going to make a down payment of at least 3% depending on your situation.

FHA and VA loans fall into the government loan category. Credit and salary/wage requirements are usually a little more different criteria than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. How do you know which home loan is the best for you? A loan officer can help you understand your options and next steps, depending on your position in the process.

Start with a Preapproval Letter in Rancho Mirage, CA

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Rancho Mirage to show that you've done your due diligence. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also speed up with the real estate agent and seller because they’re know you can afford the home. Call the mortgage team at Mr. Cooper now to talk about all things loan-related! We'll walk through everything from your Verified Approval letter to your credit and loan options. It could be the perfect season for you to buy a new house in Rancho Mirage. See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews for Rancho Mirage, CA

Read real stories from real Mr. Cooper home mortgage customers in Rancho Mirage, CA. Then contact us to see what we can do for you.

Overall Rating

out of 5 stars ( customer reviews)

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

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