Why Choose Mr. Cooper in Troy, MO?

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Prequalify for a Mortgage in Troy, MO with Mr. Cooper

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 support you throughout your journey to home ownership. Mr. Cooper in Troy 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. Mr. Cooper in Troy 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, and even more so when you're a first-time home buyer in Troy, MO. Give us a call to see how it applies to you. In the meantime, here’s what you need to know.

Conventional loans are a popular mortgage option for Troy home buyers. These loans are not federally insured. Instead, conventional loans are backed by private lenders like Mr. Cooper. 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 Troy 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 Troy with Mr. Cooper.

Only service members, veterans, and their spouses can receive a VA home loan. If you're getting ready to buy a home in Troy and are 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 privilege to serve veterans and help them 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 Troy. Get Started

Mr. Cooper Refinancing in Troy

Mr. Cooper offers mortgage refinancing in Troy in addition to new home loans. Refinancing your home loan simply means paying off your current home loan and replacing it with a new one that better suits your financial needs. The new loan could come with a shorter loan term, a more favorable interest rate, or both. Most of the time, the goal of refinancing is to get a lower interest rate and reduce your monthly payment (so you can invest more money in making memories in your Troy house!).

Similar to how there are different options for new home loans, there are also different options for refinancing. For one, you can refinance for a more favorable loan term or interest rate. 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 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 credit card debt, medical bills, or auto loans.^ The right refinance option is a phone call away. Contact Mr. Cooper in Troy to learn more about refinancing today.

Selling or Buying a House in Troy with Mr. Cooper

Are you ready to buy a house in Troy, MO? Then you'll probably want to look into getting prequalified for a mortgage in Troy and seek professional assistance for how to buy a home in Troy. The real estate market in Missouri is always changing, and Mr. Cooper mortgage professionals are equipped with the most up-to-date information. How can a Mr. Cooper mortgage professional help streamline your home-buying journey? We can help in a few 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 Troy and recommend you to our affiliate to locate a good real estate agent near you.* Lastly, Mr. Cooper can help you secure a home loan that aligns with your financial situation and accelerates your home ownership journey. From open house to closing day, Mr. Cooper is your ally.

Preparing to sell a home in Troy, MO? Mr. Cooper has your back there, too. We know the challenges that come with selling a home in Troy, especially when you're trying to do it for the first time. As a seller, you'll receive extensive sales and marketing service 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 the Mr. Cooper Real Estate Rewards program in Troy 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 Troy. We are here for you.

Mr. Cooper Reviews for Troy, MO

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