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Apply for a Home Loan in St. Louis, MO

For all your St. Louis home loan needs, call Mr. Cooper. We're your purchase and refinance partner in Missouri.

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Get Started on Your St. Louis Home Loan Journey

A home isn't a one size fits all kind of thing. St. Louis home loans aren’t either. Getting the best fit for you may require some comparison shopping! Mr. Cooper can help! Our mission is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to read on for routine information about finding a home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you start looking for loans, check your credit and try your best to improve your score. A low credit score may mean you end up with a higher interest rate on your home loan. On the other hand, a high credit score can help you advocate for your best rate with a lender. Your credit strength, finances, and and the timing in which you're looking to move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

What Types of Loans Are There in St. Louis, MO?

There are several different types of home loans available to St. Louis home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan could be a great route for you if you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

FHA and VA loans are both types of government loans. Income and credit requirements tend to have different criteria than conventional loans. Also, veterans, surviving spouses and active-duty service members may be eligible to apply for VA new home loans. Which one of these home loans is a good fit for you? A professional Mr. Cooper loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in St. Louis, MO

Secure a Verified Approval Letter from the lender before you start going to Open Houses in St. Louis to indicate that you're a serious buyer. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional now to talk about all things loan-related! We'll walk through everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in St. Louis. Call now to get the super-smart help you want!

Mr. Cooper Reviews from Real Customers in St. Louis, MO

Read real stories from real Mr. Cooper home mortgage customers in St. Louis, MO. Then contact us to see what we can do for you.

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Let Mr. Cooper help you get pre-approved for a mortgage and get the keys to your dream home.