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Why Choose Mr. Cooper in St. Paul, MN?

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Have You Met Mr. Cooper in St. Paul, MN?

We're a home loan company in Minnesota that values people over paperwork. As our company has changed and advanced over the years, so has our name. In August 2017, we re-branded as Mr. Cooper. You may have previously known us as Nationstar Mortgage in Minnesota. The change was more than a simple name change. We adjusted our business for the better. How? First off, we put customer service operations back on U.S. soil and eliminated all online transaction fees for on-time payments. We also reinvigorated the customer experience and increased our services so you get quality support whether you are looking to buy, sell, or simply enjoy your current home. We are here to serve you, both now and then.

Prequalify for a Mortgage in St. Paul, MN 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. Mr. Cooper in St. Paul 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. There’s a lot you can do with Mr. Cooper in St. Paul — including learning more about finances in general and learning about your credit score.

We know that getting a mortgage can be complicated, particularly when you're a first-time home buyer in St. Paul, MN. Give us a call to see how it applies to you. Until then, here's what you need to know to get started.

Conventional loans are a popular mortgage option for St. Paul home buyers. The federal government does not insure these loans. The government backs other home loan types, while private lenders like Mr. Cooper back conventional loans. Some benefits of a conventional loan may include various term lengths and favorable interest rates.

Depending on your situation, you may want to consider another type of home loan that's available to many St. Paul home buyers. It's called FHA. 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. Ask Mr. Cooper about FHA loan requirements in St. Paul today. 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. Paul. Get Started

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a house in St. Paul and you're a veteran, surviving spouse, or an active-duty service member, you could qualify for a VA loan. At Mr. Cooper, it's our privilege to serve veterans and help them 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 St. Paul.

Mr. Cooper Refinancing in St. Paul

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in St. Paul. 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 could come with a shorter loan term, a more favorable interest rate, or both. Generally speaking, the purpose of refinancing is to secure a lower interest rate and reduce your monthly payment (so you can spend more time and money making your St. Paul 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. 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 St. Paul to learn more about refinancing today.

Selling or Buying a House in St. Paul with Mr. Cooper

Are you ready to buy a house in St. Paul, MN? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in St. Paul. Minnesota's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date insights. Your Mr. Cooper mortgage professional can help smooth out the home-buying process in a couple of ways: First, we’ll help you determine how much house you can realistically afford to purchase. Then, we can walk you through getting prequalified to buy a home in St. Paul and connect you with our affiliate to find a reliable real estate agent.* Last but not least, Mr. Cooper can help you secure a home loan that aligns with your financial situation and furthers your journey toward home ownership. Consider Mr. Cooper your ally, from open house to closing day.

Are you researching how to sell a house in St. Paul, MN? Turn to Mr. Cooper for help. We're aware of the difficulties that come with selling a home in St. Paul, 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 St. Paul 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 St. Paul. We are here for you.

Need Help? Contact Mr. Cooper Customer Service in St. Paul, MN

As your partner in the homeownership journey, we remain committed to serving you. That means you can touch base with Mr. Cooper customer service when it's right for you. Sign in to our secure online message portal, email, call, 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, make a payment, learn about refinancing, or ask a quick question. We have a 100% U.S.-based customer support team ready to help keep your dream of homeownership alive and well.

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Work with Mr. Cooper for no online transaction fees, friendly U.S.-based customer service, and a cutting-edge mobile app with more tools and info than you can imagine.