Why Choose Mr. Cooper in St. Louis, MO?

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Mr. Cooper Mortgages in St. Louis, 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 ready to assist you in your journey to becoming a homeowner. Whether you want to learn more about conventional home loans, Federal Housing Administration loans (FHA), or VA loans, you can turn to Mr. Cooper. There’s a lot you can do with Mr. Cooper in St. Louis — including learning more about finances in general and learning about your credit score.

We know getting a mortgage can feel overwhelming, and even more so when you're a first-time home buyer in St. Louis, MO. Call a Mr. Cooper mortgage professional for one-on-one guidance. Here's what you need to know in the meantime.

Conventional loans are a popular choice for St. Louis 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. Some advantages of a conventional loan may include favorable interest terms and various term lengths.

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

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 St. Louis 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 St. Louis. Get Started

Mr. Cooper Mortgage Refinancing in St. Louis

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in St. Louis. 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 may have a shorter loan term, a better interest rate, or both. Generally speaking, the objective of refinancing is to obtain a lower interest rate and cut down your monthly payment (so you can spend more time and money making your St. Louis home just the way you want it!).

There are a few different ways you can refinance your home loan. For one, you can refinance for a more favorable loan term or interest rate. Another option is cash-out refinancing.† This option lets homeowners leverage the equity they've built in their house as cash to pay for things like 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 St. Louis can help you learn more about refinancing and choose the right refinance option for your situation.

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

Are you ready to buy a house in St. Louis, MO? Then you'll probably want to look into getting prequalified for a mortgage in St. Louis and seek professional assistance for how to buy a home in St. Louis. 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 can help you estimate how much house you can afford. Then, we can help you get prequalified to buy a home in St. Louis and introduce you to our affiliate to find a dependable real estate agent.* Last but not least, Mr. Cooper can help you get a home loan that satisfies your financial needs and accelerates your home ownership journey. Think of Mr. Cooper as your ally, from home search to closing on your loan.

Are you researching how to sell a house in St. Louis, MO? Turn to Mr. Cooper for help. We're aware of the obstacles that come with selling a house in St. Louis, 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 a good 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 St. Louis 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. Contact us to learn more about applying for a home loan, refinancing an existing loan, or buying or selling a home in St. Louis. We are here for you.

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