Contact Mr. Cooper in New Jersey

Call us now: (888) 511-7785  Busy? Have us call you back. Call Me Back

More Information

Prequalify for a Mortgage in New Jersey 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 assist you in your journey to becoming a homeowner. Mr. Cooper in New Jersey 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. There’s a lot you can do with Mr. Cooper in New Jersey — including learning more about finances in general and learning about your credit score.

We know that getting a mortgage can be complicated, and even more so when you're a first-time home buyer in New Jersey. Call a Mr. Cooper mortgage professional for one-on-one guidance. Here's what you need to know in the meantime.

Conventional loans are one of the most common and popular mortgage options for home buyers in New Jersey. The federal government does not insure these loans. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. Some benefits of a conventional loan might include numerous term lengths and agreeable interest rates.

Depending on your situation, you may want to consider another type of home loan that's available to many New Jersey home buyers. It's called FHA. FHA loans, or Federal Housing Administration loans, are backed by the government. An FHA loan can have more flexible credit requirements and typically allows for a lesser down payment than a conventional loan. Ask Mr. Cooper about FHA loan requirements in New Jersey 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 getting ready to buy a home in New Jersey 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 honor to help our nation's veterans, active-duty service members, and their families 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 New Jersey. Get Started

Mr. Cooper Refinancing in New Jersey

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in New Jersey. 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 might come with a more favorable interest rate, a shorter loan term, or both. Generally speaking, the purpose of refinancing is to secure a lower interest rate and reduce your monthly payment (so you can spend more time and money making your New Jersey home just the way you want it!).

Like new home loans, there are a couple of different ways to refinance. 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 improvements or college tuition.† 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 car loans, credit card debt, or medical bills.^ Whatever your situation, Mr. Cooper in New Jersey can help you learn more about refinancing and choose the right refinance option.

Selling or Buying a House in New Jersey with Mr. Cooper

Getting ready to buy a home in New Jersey? Then you may want to start by seeking professional guidance for how to buy a house in New Jersey and get prequalified for a mortgage in New Jersey. New Jersey'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’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 New Jersey and connect you with our affiliate to help find a reliable real estate agent.** Lastly, Mr. Cooper can help you secure a home loan that aligns with your financial situation and advances your dream of being a homeowner. From open house to closing day, Mr. Cooper is your ally.

Are you researching how to sell a house in New Jersey? Mr. Cooper can help you there, too. We're aware of the challenges that come with selling a home in New Jersey, whether you're trying to sell a home for the first or fifteenth time. Mr. Cooper can connect you to professional resources and team members through our affiliate that can offer quality benefits and guidance related to commissions and closing costs. 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 New Jersey Mr. Cooper Real Estate Rewards program to learn more as both a home buyer and seller in New Jersey!

Mr. Cooper is here to help you on your journey to home ownership. Give us a call for more information about home loans, refinancing, and buying or selling a home in New Jersey. We are here for you.

What’s Your Goal?

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.