Contact Mr. Cooper in Charleston, IL

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Prequalify for a Mortgage in Charleston, IL with Mr. Cooper

Let's make your home ownership dreams a reality. As the nation's third-largest home loan servicer, Mr. Cooper is equipped to guide you through the home ownership process. Whether you want to learn more about conventional home loans, Federal Housing Administration loans (FHA), or VA loans, you can turn to Mr. Cooper. There’s a lot you can do with Mr. Cooper in Charleston — including learning more about finances in general and learning about your credit score.

We understand that getting a mortgage can seem puzzling, especially if you're a first-time home buyer in Charleston, IL. Give us a call to see how it applies to you. In the meantime, here’s what you need to know.

Conventional loans are a popular mortgage option for Charleston home buyers. These are loans that are not insured by the federal government. Instead, conventional loans are backed by private lenders like Mr. Cooper. Some advantages of a conventional loan could include numerous term lengths and agreeable interest rates.

As a Charleston home buyer, you might be eligible for FHA financing, another type of home loan. FHA loans, or Federal Housing Administration loans, are backed by the government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Learn more about FHA loan requirements in Charleston with Mr. Cooper.

VA home loans are only available to service members, veterans, and their spouses. If you're trying to buy a house in Charleston and you're a veteran, active-duty service member, or surviving spouse, you could be eligible for a VA loan. At Mr. Cooper, we support our country's veterans, active-duty service members, and their families. It's our privilege to help every one of them become homeowners. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Charleston. Get Started

Mr. Cooper Refinancing in Charleston

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Charleston. 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 might come with a more favorable interest rate, a shorter loan term, or both. Generally speaking, the goal of refinancing is to get a lower interest rate and decrease your monthly payment (so you can invest more money in making memories in your Charleston house!).

There are a few different ways you can refinance your home loan. One option is to refinance to get a better interest or loan term. Cash-out refinancing is another option.† It allows homeowners who want to leverage their home's equity as cash to invest in things like home improvements or college tuition.† This type of refinancing also allows for debt consolidation, since you can use equity from your home to tap into cash and pay down credit card debt, medical bills, or auto loans.^ The right refinance option is a phone call away. Contact Mr. Cooper in Charleston to learn more about refinancing today.

Buy or Sell a House in Charleston with Mr. Cooper's Help

Are you ready to buy a house in Charleston, IL? Then you'll probably want to look into getting prequalified for a mortgage in Charleston and seek professional assistance for how to buy a home in Charleston. The real estate market in Illinois is always changing, and Mr. Cooper mortgage professionals are equipped with the most up-to-date information. 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. Next, we can help you prequalify for a mortgage in Charleston and connect you with our affiliate to find a reliable real estate agent.* Lastly, Mr. Cooper can help you secure a home loan that aligns with your financial situation and accelerates your home ownership journey. Consider Mr. Cooper your ally, from open house to closing day.

Are you researching how to sell a house in Charleston, IL? Mr. Cooper can help you there, too. We understand the difficulties that come with selling a home in Charleston, especially when you're trying to do it for the first time. As a seller, you'll receive extensive sales and marketing service at a great 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 the Mr. Cooper Real Estate Rewards program in Charleston to learn more.

Mr. Cooper is here to keep the dream of home ownership alive for every customer — including you. Give us a call for more information about home loans, refinancing, and buying or selling a home in Charleston. We're your ally.

What’s Your Goal?

We're here to support you on the path to home ownership.

Get the facts about refinancing, buying or selling a home, consolidating debt, and more. Mr. Cooper is here for you.