Mr. Cooper Mortgages in Atlantic Beach, FL
Let's make your home ownership dreams a reality.
As the nation's third-largest home loan servicer,
Mr. Cooper is ready to assist you in your journey to becoming a homeowner.
Mr. Cooper in Atlantic Beach can be your home loan ally, whether you're looking for a conventional home loan, a Federal Housing Administration loan (FHA), or a VA loan.
You can do so much with Mr. Cooper in Atlantic Beach — including learn more about mortgage rates, credit scores, and budgeting.
We know that getting a mortgage can be complicated, especially if you're a first-time home buyer in Atlantic Beach, FL. Give us a call to see how it applies to you. Here's what you need to know in the meantime.
Conventional loans are a popular mortgage option for Atlantic Beach home buyers. The federal government does not insure these loans. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. Some benefits of a conventional loan may include various term lengths and favorable interest rates.
FHA is another home loan type that may be available to you as a Atlantic Beach home buyer. FHA loans, or Federal Housing Administration loans, are backed by the government. When compared to a conventional loan, an FHA loan generally has less restrictive credit requirements and often allows for a lesser down payment. Learn more about FHA loan requirements in Atlantic Beach with Mr. Cooper.
Only service members, veterans, and their spouses can receive a VA home loan. If you're getting ready to buy a home in Atlantic Beach 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 honor to help our nation's veterans, active-duty service members, and their families 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 Atlantic Beach. Get Started
Mr. Cooper Refinancing in Atlantic Beach
In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Atlantic Beach. Refinancing a home loan is simple. It means you pay off your existing home loan and replace it with a new one that's a better fit for your financial situation. The new loan may have a shorter loan term, a better interest rate, or both. Generally speaking, the purpose of refinancing is to secure a lower interest rate and decrease your monthly payment (so you can spend more time and money making your Atlantic Beach home just the way you want it!).
Like new home loans, there are a couple of different ways to refinance. One option is to refinance to get a better interest or loan term. There's also cash-out refinancing, which allows homeowners who want to leverage equity they have built in their home as cash to pay for college tuition or home improvements. 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 car loans, credit card debt, or medical bills.^ The right refinance option is a phone call away. Contact Mr. Cooper in Atlantic Beach to learn more about refinancing today.
Buying or Selling a Home in Atlantic Beach with Mr. Cooper
Getting ready to buy a home in Atlantic Beach, FL? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in Atlantic Beach. Despite Florida's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. Your Mr. Cooper mortgage professional can help smooth out the home-buying process in a couple of ways: First, we can help you estimate how much house you can afford. Then, we can walk you through getting prequalified to buy a home in Atlantic Beach and recommend you to our affiliate to locate a good real estate agent near you.* Lastly, Mr. Cooper can help you get a home loan that satisfies your financial needs and furthers your journey toward home ownership. Think of Mr. Cooper as your ally, from home search to closing on your loan.
Selling a house in Atlantic Beach, FL? Mr. Cooper can help you there, too. We know the challenges that come with selling a home in Atlantic Beach, whether you're trying to sell a home for the first or fifteenth time. As a seller, you'll get comprehensive marketing and sales service at a good value. And as a buyer, you'll have access to thousands of home listings and might qualify for a Buyer's Bonus Credit at closing.** Ask about our Atlantic Beach Mr. Cooper Real Estate Rewards program to learn more.
Mr. Cooper is here to help you on your journey to home ownership. Give us a call for more information about refinancing, home loans, and selling or buying a house in Atlantic Beach. We're your ally.
- † A cash‐out refinance increases your mortgage debt and reduces the equity you may have in your home. Your monthly mortgage payments may be higher.
- ^ A debt consolidation refinance increases your mortgage debt, reduces equity, and extends the term on shorter‐term debt and secures such debts with your home. The relative benefits you receive from debt consolidation will vary depending on your individual circumstances. You should consider that a debt consolidation loan may increase the total number of monthly payments and the total amount paid over the term of the loan. To enjoy the benefits of a debt consolidation loan, you should not carry new credit card or high interest rate debt.
- * Buyer’s Bonus Credit (Xome Purchase Pro) Disclosure: Buyers may be eligible to receive a Buyer’s Bonus Credit/Xome Purchase Pro (“Credit”) equal to 15% of the buyer’s agent’s fee. The amount of the credit is based on commissions and determined by each agent. Credit will be documented in an agreement between agent and customer at the time of engagement. Credit must be disclosed to lender, seller, broker, appraiser, and other parties with an interest. Credit subject to written lender approval. Credit will be reflected in Purchase Agreement, Closing Disclosure, and other documents. Consult a tax professional regarding tax implications of Credit. Consult local broker for any state law requirements. Conditions: (a) Customer must complete purchase transaction using a Mr. Cooper Real Estate Rewards Agent; (b) Credit is subject to sales commission; (c) Credit is not available for properties marketed/listed through any auction process, including, www.xome.com; (d) Credit offer may be modified at any time via the Terms of Use but modifications will not apply to any transactions under contract; (e) Credit will be provided at the time of closing.
- Buyer’s Bonus Credit is not available in AK, IA, KS, LA, MS, MO, OK, OR & TN.
- ** Listing Commission Disclosure: Mr. Cooper Real Estate Rewards agents have agreed to 1.99% seller’s agent commission and recommend 2% buyer’s agent commission for a total listing commission of 3.99%. Buyer’s agent commission can be changed at seller’s discretion.
- Mr. Cooper Real Estate Rewards is offered by Xome. Inc., an affiliate of Mr. Cooper. Referrals to Xome may provide a financial benefit to Mr. Cooper. You are not required to use a real estate agent on the Xome panel as a condition of receiving a loan from Mr. Cooper, and such use will have no impact on any loan application to Mr. Cooper.
- This is an advertisement and not intended as a solicitation for agent representation if your property is currently listed with an agent. Visit Xome's licensing page https://www.xome.com/auctions/licensing.
- Xome Inc. & Xome CT LLC [Davis E. Owen, Sr.‐Broker] (for CT properties] & Xome PR LLC (for PR properties), 750 Hwy 121 BYP, Suite 100, Lewisville, TX 75067.
- Mr. Cooper Real Estate Rewards is a service mark of Nationstar Mortgage LLC.
- 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.
