Why Choose Mr. Cooper in Cape Girardeau, MO?

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Mr. Cooper Mortgages in Cape Girardeau, MO

Let's make your home ownership dreams a reality. As the nation's third-largest home loan servicer, Mr. Cooper is ready to support you throughout your journey to home ownership. Mr. Cooper in Cape Girardeau 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 Cape Girardeau — including learning more about finances in general and learning about your credit score.

We understand that getting a mortgage can seem puzzling, particularly when you're a first-time home buyer in Cape Girardeau, 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 mortgage option for Cape Girardeau home buyers. 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 might include numerous term lengths and agreeable interest rates.

As a Cape Girardeau 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. When compared to a conventional loan, an FHA loan generally has less restrictive credit requirements and often allows for a lesser down payment. Learn more about FHA loan requirements in Cape Girardeau with Mr. Cooper.

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 trying to buy a house in Cape Girardeau 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 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 Cape Girardeau. Get Started

Mr. Cooper Mortgage Refinancing in Cape Girardeau

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Cape Girardeau. 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. A majority of the time, the objective of refinancing is to obtain a lower interest rate and cut down your monthly payment (so you can invest more money in making memories in your Cape Girardeau house!).

Like new home loans, there are a couple of different ways to refinance. For one, you can refinance for a more favorable loan term or interest rate. 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 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 car loans, credit card debt, or medical bills.^ The right refinance option is a phone call away. Contact Mr. Cooper in Cape Girardeau to learn more about refinancing today.

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

Getting ready to buy a home in Cape Girardeau, MO? Then you may want to start by seeking professional guidance for how to buy a house in Cape Girardeau and get prequalified for a mortgage in Cape Girardeau. Despite Missouri's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. How can a Mr. Cooper mortgage professional help streamline your home-buying journey? We can help in a few ways: First off, we can help you calculate how much house you can afford to buy. Then, we can walk you through getting prequalified to buy a home in Cape Girardeau and connect you with our affiliate to find a reliable real estate agent.* Finally, Mr. Cooper can help you secure a home loan that meets your financial needs and advances your dream of being a homeowner. From open house to closing day, Mr. Cooper is your ally.

Preparing to sell a home in Cape Girardeau, MO? Mr. Cooper can help you there, too. We understand the challenges that come with selling a home in Cape Girardeau, especially when you're trying to do it for the first time. As a seller, you'll get comprehensive marketing and sales service at an exceptional 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 Cape Girardeau Mr. Cooper Real Estate Rewards program to learn more.

Mr. Cooper is here to keep the dream of home ownership alive for every customer — including you. Call today for more information about applying for a home loan, refinancing an existing loan, or buying or selling a home in Cape Girardeau. We're your ally.

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We see home loans differently. We see them through your eyes.

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