Contact Mr. Cooper in St. Augustine, FL

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Why Choose Mr. Cooper Mortgages in St. Augustine, 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. Whether you want to learn more about conventional home loans, Federal Housing Administration loans (FHA), or VA loans, you can turn to Mr. Cooper. Mr. Cooper in St. Augustine can help you do so much — even learn more about your credit score and finances in general.

We know getting a mortgage can feel overwhelming, and even more so when you're a first-time home buyer in St. Augustine, FL. Mr. Cooper can explain how everything applies to your situation. Just give us a call. In the meantime, here’s what you need to know.

Conventional loans are a popular choice for St. Augustine home buyers and are actually one of the most common mortgage options. The federal government does not insure these loans. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. A couple of key benefits of a conventional loan could include numerous term lengths and agreeable interest rates.

As a St. Augustine home buyer, you might be eligible for FHA financing, another type of home loan. FHA stands for Federal Housing Administration. Accordingly, FHA 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. Reach out to Mr. Cooper today to learn about FHA loan requirements in St. Augustine.

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a house in St. Augustine and you're an active-duty service member, a veteran, or a surviving spouse, you may 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. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in St. Augustine. Get Started

Mr. Cooper Mortgage Refinancing in St. Augustine

Besides new home loans, Mr. Cooper also provides mortgage refinancing in St. Augustine. 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 may have a shorter loan term, a better interest rate, or both. A majority of the time, the objective of refinancing is to get a lower interest rate and reduce your monthly payment (so you can spend more money on making memories and building a life in your St. Augustine home!).

Similar to how there are different options for new home loans, there are also different options for refinancing. 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 home improvements or college tuition.† Cash-out refinancing can also be a way to consolidate debt, since you can tap into your home's equity and use the cash to pay down medical bills, car loans, or credit card debt.^ The right refinance option is a phone call away. Contact Mr. Cooper in St. Augustine to learn more about refinancing today.

Buying or Selling a Home in St. Augustine with Mr. Cooper

Buying a house in St. Augustine, FL? Then you'll probably want to look into getting prequalified for a mortgage in St. Augustine and seek professional assistance for how to buy a home in St. Augustine. Florida's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date 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 St. Augustine and connect you with our affiliate to find a reliable real estate agent.* Finally, Mr. Cooper can help you secure a home loan that meets your financial needs and furthers your journey toward home ownership. Consider Mr. Cooper your ally, from open house to closing day.

Preparing to sell a home in St. Augustine, FL? Mr. Cooper has your back there, too. We're aware of the difficulties that come with selling a home in St. Augustine, whether you're trying to sell a home for the first or fifteenth time. As a seller, you'll get in-depth marketing and sales insight at an exceptional 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 our St. Augustine 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 St. Augustine. We’ve got your back.

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