Why Choose Mr. Cooper Mortgages in Lithia Springs, GA?
Looking to become a homeowner? It's the perfect time to do so.
As the nation's third-largest home loan servicer,
Mr. Cooper is equipped to guide you through the home ownership process.
Mr. Cooper in Lithia Springs 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.
Mr. Cooper in Lithia Springs can help you do so much — even learn more about your credit score and finances in general.
We know that getting a mortgage can be complicated, particularly when you're a first-time home buyer in Lithia Springs, GA. Give us a call to see how it applies to you. In the meantime, here’s what you need to know.
Conventional loans are one of the most common and popular mortgage options for home buyers in Lithia Springs. These loans are not federally insured. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. Some advantages of a conventional loan might include numerous term lengths and agreeable interest rates.
FHA is another home loan type that may be available to you as a Lithia Springs home buyer. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. government. An FHA loan can have more flexible credit requirements and typically allows for a lesser down payment than a conventional loan. Learn more about FHA loan requirements in Lithia Springs with Mr. Cooper.
VA home loans aren't available to everyone. You must be an active duty service member, a veteran, or a surviving spouse of a veteran to apply. If you're trying to buy a home in Lithia Springs as 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 privilege to serve veterans and help them 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 Lithia Springs. Get Started
Refinance Your Home Loan in Lithia Springs with Mr. Cooper
In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Lithia Springs. 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. Generally speaking, the objective of refinancing is to get a lower interest rate and cut down your monthly payment (so you can spend more time and money making your Lithia Springs home just the way you want it!).
Like new home loans, there are a couple of different ways to refinance. For one, you can refinance for a more favorable loan term or interest rate. Cash-out refinancing is another option.† It allows homeowners who want to leverage their home's equity as cash to invest in things like college tuition or home improvements. 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 car loans, credit card debt, or medical bills.^ Mr. Cooper in Lithia Springs can help you learn more about refinancing and choose the right refinance option for your situation.
Buying or Selling a Home in Lithia Springs with Mr. Cooper
Are you ready to buy a house in Lithia Springs, GA? Then you'll probably want to look into getting prequalified for a mortgage in Lithia Springs and seek professional assistance for how to buy a home in Lithia Springs. Despite Georgia'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 off, we can help you calculate how much house you can afford to buy. Then, we can help you get prequalified to buy a home in Lithia Springs and connect you with our affiliate to find a reliable real estate agent.* Finally, Mr. Cooper can help you get a home loan that satisfies your financial needs and advances your dream of being a homeowner. Think of Mr. Cooper as your ally, from home search to closing on your loan.
Preparing to sell a home in Lithia Springs, GA? Mr. Cooper has your back there, too. We're aware of the challenges that come with selling a home in Lithia Springs, especially when you're trying to do it for the first time. As a seller, you'll get comprehensive marketing and sales service at a good value. And as a buyer, you could be eligible for a special credit at closing and gain access to thousands of listings.** Ask about our Lithia Springs Mr. Cooper Real Estate Rewards program to learn more.
Mr. Cooper is here to be your advocate on your homeowner journey. Call today for more information about home loans, refinancing, and buying or selling a home in Lithia Springs. We’ve got your back.
- † 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.
