Learn About Home Loans in Sacramento, CA
Mr. Cooper here to ally with you in Sacramento, CA as you plan your next home purchase. As the third-largest home loan servicer and a top-20 home lender in the country, we have the training and expertise to help you evaluate your loan options and finalize your home buying plan.
A Mr. Cooper mortgage professional can design a custom strategy that will help you tackle the home loan process with confidence. We can help you figure out what today's mortgage rates are in Sacramento, how much house you can afford, and also get prequalified for a mortgage in Sacramento. Our mortgage professionals start by evaluating your financial situation and where you are in life. From there, they compile a targeted plan to help you get the best mortgage option for you. Read on to learn more about different home mortgage options and contact a Mr. Cooper mortgage professional in Sacramento to get started. You can begin the pre-qualification process today. Get Started
Are You Eligible for an FHA Loan in Sacramento, 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. Close to 1 in 5 of all home buyers rely on this government-issued loan type. The loan system is specifically geared toward homebuyers who can't afford the typical 20% down payment that's usually required by private lenders. The down payment can be as low as 3.5%, which is a great fit for many buyers who aren't eligible for a conventional loan.
Around Sacramento, Mr. Cooper has seen FHA loans surge in popularity at the same time as student loan debt and rental prices — two circumstances that can make it difficult to put away money for a down payment. Another perk to FHA loans is that they're usually available to borrowers with lower credit scores. Whatever your situation, 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.
Mr. Cooper Can Be Your Guide to Sacramento VA Loans
There's no question about it. America's service members, veterans, and their spouses should receive the best. Mr. Cooper can lend their expertise in helping you get qualified for a VA home loan in Sacramento if you think you might be eligible for one. Reach out to Mr. Cooper if you’re ready to buy a home in Sacramento and think that you might be eligible for a VA loan. There are many benefits in this loan type that can make the home buying process a lot easier. Many times, interest rates are substantially lower than the rest of the mortgage market. There's also a possibility that you won't have to put down a down payment. Confirming your VA eligibility for a VA loan in Sacramento is fast and simple with a Mr. Cooper professional walking you through the application process.
When to Consider Mr. Cooper Jumbo Loans in Sacramento
Jumbo loans are a good match for many homebuyers in Sacramento. A jumbo loan, or a jumbo mortgage, exceeds the limits of a conventional loan. Jumbo loans are designed to help people refinance or buy higher-valued real estate and are often millions of dollars. If you'd like to use a jumbo loan to buy a home in Sacramento, you will most likely require a larger loan amount that surpasses conventional loan limits. Call Mr. Cooper to learn more about jumbo loan eligibility in Sacramento.
Buy a House in Sacramento with Help from Mr. Cooper
Mr. Cooper's family of mortgage professionals is ready to help you buy a house in Sacramento. But we know that means different things to different people. Some people are only interested in knowing today's mortgage rates in Sacramento. Others can't wait to prequalify for a mortgage in Sacramento. And still others can't wait to pack their moving boxes and close on a home as soon as possible! Whatever your unique needs and goals are, Mr. Cooper's home buyer program in Sacramento is here to make them a reality. Reach out to a mortgage professional now.
- 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.