Mr. Cooper Serves Clayton, MO

Busy? Have us call you back. Call Me Back

More Information

Mr. Cooper Mortgages in Clayton, MO

Looking to become a homeowner? It's the perfect time to do so. As the nation's third-largest home loan servicer, Mr. Cooper is equipped to guide you through the home ownership process. Mr. Cooper in Clayton 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. You can do so much with Mr. Cooper in Clayton — including learn more about mortgage rates, credit scores, and budgeting.

We know getting a mortgage can feel overwhelming, especially if you're a first-time home buyer in Clayton, MO. Mr. Cooper can explain how everything applies to your situation. Just give us a call. In the meantime, here’s what you need to know.

Conventional loans are one of the most common and popular mortgage options for home buyers in Clayton. The federal government does not insure these loans. 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 numerous term lengths and agreeable interest rates.

FHA is another home loan type that may be available to you as a Clayton home buyer. 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. Learn more about FHA loan requirements in Clayton with Mr. Cooper.

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a house in Clayton and you're 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. Because this type of home loan is so unique, we encourage you to call Mr. Cooper for more information about VA loans in Clayton. Get Started

Mr. Cooper Refinancing in Clayton

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Clayton. 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. A majority of the time, the purpose of refinancing is to get a lower interest rate and decrease your monthly payment (so you can spend more time and money making your Clayton home just the way you want it!).

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. Cash-out refinancing is another option.† It allows homeowners who want to leverage their home's equity as cash to invest in things like home remodeling or higher education. 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 Clayton to learn more about refinancing today.

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

Getting ready to buy a home in Clayton, MO? Then you may want to start by seeking professional guidance for how to buy a house in Clayton and get prequalified for a mortgage in Clayton. Despite Missouri's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest 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 help you get prequalified to buy a home in Clayton and recommend you to our affiliate to locate a good real estate agent near you.* Finally, Mr. Cooper can help you get a home loan that satisfies your financial needs and advances your dream of being a homeowner. Consider Mr. Cooper your ally, from open house to closing day.

Selling a house in Clayton, MO? Mr. Cooper has your back there, too. We understand the difficulties that come with selling a home in Clayton, 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'll have access to thousands of home listings and might qualify for a Buyer's Bonus Credit at closing.** Ask about the Mr. Cooper Real Estate Rewards program in Clayton to learn more.

Mr. Cooper is here to be your advocate on your homeowner journey. Call today for more information about applying for a home loan, refinancing an existing loan, or buying or selling a home in Clayton. We are here for you.

What’s Your Goal?

We're changing the face of home loans.

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.