Have You Met Mr. Cooper in Phillipsburg, NJ?
We're a New Jersey home loan company that puts people first, not piles of paperwork. But you might not have always known us by the name, "Mr. Cooper." We officially became "Mr. Cooper" in late 2017. You may have previously known us as Nationstar Mortgage in New Jersey. It was more than a simple name change. We overhauled our business to serve you better. How? First off, we eliminated all online transaction fees. We even revamped the customer experience and increased our services so you get quality support whether you are looking to buy, shop, or simply enjoy your current home. Then and now, you are our top priority.
Why Choose Mr. Cooper Mortgages in Phillipsburg, NJ?
Let's make your home ownership dreams a reality. As one of the nation's largest home loan servicers, Mr. Cooper is equipped to guide you through the home ownership process. Mr. Cooper in Phillipsburg 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 Phillipsburg — including learning more about finances in general and learning about your credit score.
We know that getting a mortgage can be complicated, particularly when you're a first-time home buyer in Phillipsburg, NJ. Mr. Cooper can explain how everything applies to your situation. Just give us a call and through our Mr. Cooper® Agent Assurance program, we'll get you hooked up with a real estate agent you click with. Until then, here's what you need to know to get started.
Conventional loans are a popular choice for Phillipsburg home buyers and are actually one of the most common mortgage options. 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 various term lengths and favorable interest rates.
FHA is another home loan type that may be available to you as a Phillipsburg home buyer. FHA stands for Federal Housing Administration. Accordingly, FHA 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 Phillipsburg 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 Phillipsburg and are a veteran, active-duty service member, or surviving spouse, you could 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. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Phillipsburg. Get Started
Mr. Cooper Refinancing in Phillipsburg, NJ
Mr. Cooper offers mortgage refinancing in Phillipsburg 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. A majority of the time, the objective of refinancing is to get a lower interest rate and cut down your monthly payment (so you can spend more time and money making your Phillipsburg home just the way you want it!).
Like new home loans, there are a couple of different ways to refinance. One option is to refinance to get a better interest or loan term. 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 college tuition or home improvements. 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 credit card debt, medical bills, or auto loans.^ Whatever your situation, Mr. Cooper in Phillipsburg can help you learn more about refinancing and choose the right refinance option.
Buying a House in Phillipsburg with Mr. Cooper
Are you ready to buy a house in Phillipsburg, NJ? Then you may want to start by seeking professional guidance for how to buy a house in Phillipsburg and get prequalified for a mortgage in Phillipsburg. The real estate market in New Jersey 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 can help you estimate how much house you can afford. Then, we can walk you through getting prequalified to buy a home in Phillipsburg. If you're in need of a real estate agent, we can help get you connected through the Mr. Cooper® Agent Assurance program. Lastly, Mr. Cooper can help you secure a home loan that aligns with your financial situation and furthers your journey toward home ownership. Think of Mr. Cooper as your ally, from home search to closing on your loan.
Need Help? Contact Mr. Cooper Customer Service in Phillipsburg, NJ
We remain dedicated to serving you as your partner in the homeownership journey. So feel free to reach out to Mr. Cooper customer service in whatever way is most convenient for you. Sign in to our secure online message portal, email, call, message us on our social media channels, or send us a letter in the mail. Connecting with Mr. Cooper is simple, whether you need to let us know you've received property through a divorce, check out refinancing options, ask a question, or become a successor in interest for a Mr. Cooper loan.
RightMove Resources for Mr. Cooper Clients
You've found your all-in-one-toolkit for the home buying journey in Phillipsburg with Mr. Cooper. Our Agent Assurance program pairs you with a local Phillipsburg agent you feel good about. StreetSmarts makes sure you know about the latest listings, so you don’t have to worry about missing out on your perfect match. We turn little hiccups into wins, too. If you don’t close on time, our Close On Time Guarantee means we’ll pay your first month's mortgage payment (principal and interest).* Make a local move of up to 50 miles and Mr. Cooper will even pay for your move.** That’s what we like to call friends helping friends.
- † A cash‐out refinance increases your mortgage debt and reduces the equity you may have in your home. Your monthly mortgage payments may be higher.
- ^ A debt consolidation refinance increases your mortgage debt, reduces equity, and extends the term on shorter‐term debt and secures such debts with your home. The relative benefits you receive from debt consolidation will vary depending on your individual circumstances. You should consider that a debt consolidation loan may increase the total number of monthly payments and the total amount paid over the term of the loan. To enjoy the benefits of a debt consolidation loan, you should not carry new credit card or high interest rate debt.