Why Choose Mr. Cooper in Charleston, MO?

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Prequalify for a Mortgage in Charleston, MO 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 Charleston 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 Charleston can help you do so much — even learn more about your credit score and finances in general.

We understand that getting a mortgage can seem puzzling, particularly when you're a first-time home buyer in Charleston, MO. 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 choice for Charleston home buyers and are actually one of the most common mortgage options. 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 advantages of a conventional loan might include numerous term lengths and agreeable interest rates.

Depending on your situation, you may want to consider another type of home loan that's available to many Charleston home buyers. It's called FHA. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. 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 Charleston.

VA home loans are only available to service members, veterans, and their spouses. If you're trying to buy a house in Charleston and you're an active-duty service member, a veteran, or a surviving spouse, you may 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 Charleston. Get Started

Mr. Cooper Mortgage Refinancing in Charleston

Mr. Cooper offers mortgage refinancing in Charleston in addition to new home loans. 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 may have a shorter loan term, a better interest rate, or both. Most of the time, the goal of refinancing is to secure a lower interest rate and reduce your monthly payment (so you can spend more money on making memories and building a life in your Charleston 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 college tuition or home improvements. 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.^ Whatever your situation, Mr. Cooper in Charleston can help you learn more about refinancing and choose the right refinance option.

Selling or Buying a House in Charleston with Mr. Cooper

Buying a house in Charleston, 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 Charleston. Missouri's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date insights. Mr. Cooper mortgage professionals will help simplify your home-buying experience in a few ways: First, we’ll help you determine how much house you can realistically afford to purchase. Next, we can help you prequalify for a mortgage in Charleston and recommend you to our affiliate to locate a good real estate agent near you.* Lastly, Mr. Cooper can help you get a home loan that satisfies your financial needs 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 Charleston, MO? Mr. Cooper can help you there, too. We understand the obstacles that come with selling a house in Charleston, particularly if it's your first time doing it. As a seller, you'll get comprehensive marketing and sales service at an exceptional 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 Charleston 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 refinancing, home loans, and selling or buying a house in Charleston. We are here for you.

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We're here to support you on the path to home ownership.

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