Meet Mr. Cooper in South River, NJ
We're a home loan company in New Jersey that values people over paperwork. As our business has evolved over the years, our company name has, too. We adopted the name "Mr. Cooper" in August 2017. You may have previously known us as Nationstar Mortgage in New Jersey. The switch signified more than a company name change. We adjusted our business for the better. First, we eliminated all online transaction fees. We even revamped the customer experience and added special services to help you out whether you're shopping, buying, or just enjoying the home you have. Then and now, you are our top priority.
Why Choose Mr. Cooper Mortgages in South River, NJ?
Let's make your home ownership dreams a reality. As one of the nation's largest home loan servicers, Mr. Cooper is ready to assist you in your journey to becoming a homeowner. Mr. Cooper in South River 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. You can do so much with Mr. Cooper in South River — including learn more about mortgage rates, credit scores, and budgeting.
We understand that getting a mortgage can seem puzzling, and even more so when you're a first-time home buyer in South River, NJ. Call a Mr. Cooper mortgage professional for one-on-one guidance. We'll even help you get connected with a real estate agent you trust through Mr. Cooper® Agent Assurance. In the meantime, here’s what you need to know.
Conventional loans are one of the most common and popular mortgage options for home buyers in South River. The federal government does not insure these loans. The government backs other home loan types, while private lenders like Mr. Cooper back conventional loans. A couple of key benefits of a conventional loan could include favorable interest terms and various term lengths.
As a South River home buyer, you might be eligible for FHA financing, another type of home loan. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Reach out to Mr. Cooper today to learn about FHA loan requirements in South River.
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 home in South River as a veteran, active-duty service member, or surviving spouse, you could 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 South River. Get Started
Mr. Cooper Refinancing in South River, NJ
Mr. Cooper offers mortgage refinancing in South River in addition to new home loans. Refinancing a home loan is simply paying off your existing home loan and replacing 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. Most of the time, the goal of refinancing is to obtain a lower interest rate and decrease your monthly payment (so you can spend more time and money making your South River 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 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 credit card debt, medical bills, or auto loans.^ Mr. Cooper in South River can help you learn more about refinancing and choose the right refinance option for your situation.
Buying a Home in South River with Mr. Cooper
Getting ready to buy a home in South River, NJ? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in South River. Despite New Jersey's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. 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 South River. For help getting connected to a real estate agent, you can trust the Mr. Cooper® Agent Assurance program. Finally, Mr. Cooper can help you secure a home loan that meets your financial needs and accelerates your home ownership journey. From open house to closing day, Mr. Cooper is your ally.
Contact Mr. Cooper Customer Service for Help in South River, NJ
We're here to walk alongside you in your homeownership journey and remain dedicated to serving you. 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 transfer ownership, check out refinancing options, ask a question, or become a successor in interest for a Mr. Cooper loan.
RightMove Resources for Mr. Cooper Clients
We’ve covered all the bases when it comes to the South River home buying journey, so hitting a “home run” is easier than ever. Our Agent Assurance program connects you with a local agent who you feel confident working with from day one. StreetSmarts puts the latest home listings in South River right in your hands so you don't have to worry about missing your dream home. And on the off chance you don’t close on time, the Mr. Cooper Close On Time Guarantee means your first month's mortgage payment (principal and interest) is on us.* We'll even pay for a local move of up to 50 miles when you use Mr. Cooper for your next home loan.**
- † 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.