Contact Mr. Cooper in Fairfax, IA

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Why Choose Mr. Cooper Mortgages in Fairfax, IA?

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 Fairfax can be your home loan ally, whether you're searching for a conventional home loan, a Federal Housing Administration loan (FHA), or a VA loan. There’s a lot you can do with Mr. Cooper in Fairfax — including learning more about finances in general and learning about your credit score.

We understand that getting a mortgage can seem puzzling, and even more so when you're a first-time home buyer in Fairfax, IA. Call a Mr. Cooper mortgage professional for one-on-one guidance. Until then, here's what you need to know to get started.

Conventional loans are a popular mortgage option for Fairfax 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 could include numerous term lengths and agreeable interest rates.

As a Fairfax 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. Ask Mr. Cooper about FHA loan requirements in Fairfax today.

VA home loans are only available to service members, veterans, and their spouses. If you're trying to buy a house in Fairfax and you're 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. Because this type of home loan is so unique, we encourage you to call Mr. Cooper for more information about VA loans in Fairfax. Get Started

Mr. Cooper Refinancing in Fairfax

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Fairfax. 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 might come with a more favorable interest rate, a shorter loan term, or both. Generally speaking, the goal of refinancing is to secure a lower interest rate and cut down your monthly payment (so you can spend more time and money making your Fairfax home just the way you want it!).

There are a few different ways you can refinance your home loan. There's refinancing to get a more favorable interest rate 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 remodeling or higher education. 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 Fairfax can help you learn more about refinancing and choose the right refinance option for your situation.

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

Buying a house in Fairfax, IA? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in Fairfax. The real estate market in Iowa 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 Fairfax and connect you with our affiliate to find a reliable real estate agent.* Lastly, Mr. Cooper can help you secure a home loan that meets 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.

Selling a house in Fairfax, IA? Mr. Cooper has your back there, too. We're aware of the difficulties that come with selling a home in Fairfax, 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 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 Fairfax 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 applying for a home loan, refinancing an existing loan, or buying or selling a home in Fairfax. We're your ally.

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