Contact Mr. Cooper in California, MO

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Mr. Cooper Mortgages in California, MO

Ready to make your home ownership dreams come true? Let's do it. 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. You can do so much with Mr. Cooper in California — including learn more about mortgage rates, credit scores, and budgeting.

We know getting a mortgage can feel overwhelming, particularly when you're a first-time home buyer in California, MO. 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 choice for California home buyers and are actually one of the most common mortgage options. These are loans that are not insured by the federal government. The government backs other home loan types, while private lenders like Mr. Cooper back conventional loans. A couple of key benefits of a conventional loan may include favorable interest terms and various term lengths.

Depending on your situation, you may want to consider another type of home loan that's available to many California home buyers. It's called FHA. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Reach out to Mr. Cooper today to learn about FHA loan requirements in California.

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 getting ready to buy a home in California and are 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. Due to the uniqueness of this home loan option, we encourage you to call a Mr. Cooper mortgage professional to learn more about VA loans in California. Get Started

Mr. Cooper Mortgage Refinancing in California

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in California. 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 goal of refinancing is to get a lower interest rate and cut down your monthly payment (so you can spend more money on making memories and building a life in your California home!).

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. 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 medical bills, car loans, or credit card debt.^ Mr. Cooper in California can help you learn more about refinancing and choose the right refinance option for your situation.

Buying or Selling a Home in California with Mr. Cooper

Buying a house in California, MO? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in California. The real estate market in Missouri 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 off, we can help you calculate how much house you can afford to buy. Next, we can help you prequalify for a mortgage in California and introduce you to our affiliate to find a dependable real estate agent.* Finally, Mr. Cooper can help you get a home loan that satisfies your financial needs and furthers your journey toward home ownership. Think of Mr. Cooper as your ally, from home search to closing on your loan.

Selling a house in California, MO? Mr. Cooper has your back there, too. We're aware of the obstacles that come with selling a house in California, especially when you're trying to do it for the first time. As a seller, you'll get in-depth marketing and sales insight at a great value. And as a buyer, you'll gain access to thousands of new listings and could be eligible for a special credit at closing.** Ask about the Mr. Cooper Real Estate Rewards program in California 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 applying for a home loan, refinancing an existing loan, or buying or selling a home in California. We’ve got your back.

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