Special Offers From Mr. Cooper

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

Compare St. Petersburg, FL Home Loans

For all your St. Petersburg home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Florida.

Busy? Have us call you back. Call Me Back

More Information

Get Started on Your St. Petersburg Home Loan Journey

Homes aren't one size fits all structures. The same can be said for home loans in Florida. Getting the best fit for you requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our goal is to keep the dream of homeownership alive starting with the mortgage loan process. We encourage you to continue reading for general details about picking your St. Petersburg home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and work to get it in tip-top shape. A poor credit rating might mean you end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit history, financial situation, and the timeline you're looking to move can all impact the type of home loan that fits your needs. So, what's out there to choose from?

What Home Loan Options Do I Have in St. Petersburg, FL?

St. Petersburg home buyers have more than one type of home loan to choose from. There are: 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 loans and VA loans are both classified as government loans. Credit and income requirements tend to have different criteria than conventional loans. Also, active-duty service members, veterans and surviving spouses may be eligible to apply for VA new home loans. How do you know which home loan is the best for you? A loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in St. Petersburg, FL

Get a Verified Approval Letter from your lender before you start shopping for homes in St. Petersburg to indicate that you really do intend to buy. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. It can also show with the real estate agent and seller because they’re know you can afford the home. Contact a Mr. Cooper mortgage professional 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 St. Petersburg. Call now to get the super-smart help you want!

Mr. Cooper Reviews for St. Petersburg, FL

Read reviews from actual Mr. Cooper home mortgage customers in St. Petersburg, FL.

We're changing the face of home loans.

Work with Mr. Cooper to get pre-qualified and get into the home of your dreams.