Contact Mr. Cooper in St. John, MO

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Why Choose Mr. Cooper Mortgages in St. John, MO?

Let's make your home ownership dreams a reality. As the nation's third-largest home loan servicer, Mr. Cooper is ready to assist you in your journey to becoming a homeowner. Mr. Cooper in St. John 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. You can do so much with Mr. Cooper in St. John — including learn more about mortgage rates, credit scores, and budgeting.

We understand that getting a mortgage can seem puzzling, especially if you're a first-time home buyer in St. John, MO. Mr. Cooper can explain how everything applies to your situation. Just give us a call. Here's what you need to know in the meantime.

Conventional loans are a popular choice for St. John home buyers and are actually one of the most common mortgage options. 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 various term lengths and favorable interest rates.

FHA is another home loan type that may be available to you as a St. John home buyer. 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. Ask Mr. Cooper about FHA loan requirements in St. John today.

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a house in St. John 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, we support our country's veterans, active-duty service members, and their families. It's our privilege to help every one of them become homeowners. 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. John. Get Started

Mr. Cooper Refinancing in St. John

Besides new home loans, Mr. Cooper also provides mortgage refinancing in St. John. 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 could come with a shorter loan term, a more favorable interest rate, or both. Generally speaking, the objective of refinancing is to obtain a lower interest rate and decrease your monthly payment (so you can spend more time and money making your St. John home just the way you want it!).

Similar to how there are different options for new home loans, there are also different options for refinancing. 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 improvements or college tuition.† This type of refinancing also allows for debt consolidation, since you can use equity from your home to tap into cash and pay down medical bills, car loans, or credit card debt.^ The right refinance option is a phone call away. Contact Mr. Cooper in St. John to learn more about refinancing today.

Buying or Selling a Home in St. John with Mr. Cooper

Buying a house in St. John, 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 St. John. 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, 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 St. John and introduce you to our affiliate to find a dependable real estate agent.* Last but not least, Mr. Cooper can help you secure a home loan that meets your financial needs and advances your dream of being a homeowner. Consider Mr. Cooper your ally, from open house to closing day.

Are you researching how to sell a house in St. John, MO? Mr. Cooper can help you there, too. We know the difficulties that come with selling a home in St. John, whether you're trying to sell a home for the first or fifteenth time. As a seller, you'll get in-depth marketing and sales insight at an exceptional 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 our St. John 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 applying for a home loan, refinancing an existing loan, or buying or selling a home in St. John. 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.