Have You Met Mr. Cooper in St. James, MD?
We're a Maryland home loan company that puts people first, not piles of paperwork. As our company has changed and advanced over the years, so has our name. In August 2017, we re-branded as Mr. Cooper. Before that, you may have known us as Nationstar Mortgage in Maryland. The switch signified more than a company name change. We changed the way we did business for the better. First, we got rid of all online transaction fees. We also enhanced the customer journey and increased our services so you get quality support whether you are buying, shopping, or just living in your home. Then and now, you are our top priority.
Mr. Cooper Mortgages in St. James, MD
Let's make your home ownership dreams a reality. As one of the nation's largest home loan servicers, Mr. Cooper is ready to assist you in your journey to becoming a homeowner. Mr. Cooper in St. James 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. Mr. Cooper in St. James 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. James, MD. Give us a call to see how it applies to you. With Mr. Cooper® Agent Assurance, we'll help you find a real estate agent you click with to make your homebuying journey stress-free. Until then, here's what you need to know to get started.
Conventional loans are a popular choice for St. James home buyers and are actually one of the most common mortgage options. These are loans that are not insured by the federal government. Some advantages of a conventional loan may include numerous term lengths and agreeable interest rates.
FHA is another home loan type that may be available to you as a St. James home buyer. FHA loans, or Federal Housing Administration 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. James.
Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a home in St. James as a veteran, active-duty service member, or surviving spouse, you could 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 St. James. Get Started
Mr. Cooper Mortgage Refinancing in St. James, MD
Besides new home loans, Mr. Cooper also provides mortgage refinancing in St. James. Refinancing your home loan means that you pay off your current home loan and replace it with a new one that can better meet your financial needs. The new loan might come with a more favorable interest rate, a shorter loan term, or both. Generally speaking, the objective of refinancing is to obtain a lower interest rate and decrease your monthly payment (so you can invest more money in making memories in your St. James house!).
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. Another option is cash-out refinancing.† This option lets homeowners leverage the equity they've built in their house as cash to pay for things like college tuition or home improvements. Cash-out refinancing can also be a method for debt consolidation, since you can also 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 St. James to learn more about refinancing today.
Buying a House in St. James with Mr. Cooper
Are you ready to buy a house in St. James, MD? Then you may want to start by seeking professional guidance for how to buy a house in St. James and get preapproved for a mortgage in St. James. Despite Maryland's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. Mr. Cooper mortgage professionals will help simplify your home-buying experience in a few ways: First off, we can help you calculate how much house you can buy. Then, we can help you get pre-approved to buy a home in St. James. We can also help you get connected with a real estate agent through the Mr. Cooper® Agent Assurance program. Finally, Mr. Cooper can help you get a home loan that satisfies your financial needs and furthers your journey toward home ownership. From open house to closing day, Mr. Cooper is your ally.
Contact Mr. Cooper Customer Service for Help in St. James, MD
We're here to walk alongside you in your homeownership journey and remain dedicated to serving you. So feel free to reach out to Mr. Cooper customer service in whatever way is most convenient for you. Call, sign in to our secure online message center, send an email, drop a note in one of our social media channels, or put a letter in the mail. Connecting with Mr. Cooper is simple, whether you need to complete a transfer of ownership, check out refinancing options, ask a question, or become a successor in interest for a Mr. Cooper loan.
RightMove Resources for Mr. Cooper Clients
We’ve covered all the bases when it comes to the St. James home buying journey, so hitting a “home run” is easier than ever. Our Agent Assurance program makes sure you connect with a local agent you trust. StreetSmarts puts the latest home listings in St. James right in your hands so you don't have to worry about missing your dream home. We turn little hiccups into wins, too. If you don’t close on time, our Close On Time Guarantee means we’ll pay your first month's mortgage payment (principal and interest).* Make a local move of up to 50 miles and Mr. Cooper will even pay for your move.** That’s what we like to call friends helping friends.
- † 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.