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Why Choose Mr. Cooper in Raton, NM?

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Have You Met Mr. Cooper in Raton, NM?

We're a New Mexico home loan company that puts people first, not piles of paperwork. As our business has evolved over the years, our company name has, too. We officially became "Mr. Cooper" in late 2017. Before that, you may have known us as Nationstar Mortgage in New Mexico. This move went beyond a basic name change. We adjusted our business for the better. For one, we moved all customer service operations back to the U.S. and got rid of online transaction fees for on-time payments. We also enhanced the customer journey and added more services so you get great support whether you're buying, selling, or just living in your home. We are here to serve you, both now and then.

Prequalify for a Mortgage in Raton, NM 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. Whether you want to learn more about conventional home loans, Federal Housing Administration loans (FHA), or VA loans, you can turn to Mr. Cooper. You can do so much with Mr. Cooper in Raton — including learn more about mortgage rates, credit scores, and budgeting.

We know getting a mortgage can feel overwhelming, especially if you're a first-time home buyer in Raton, NM. Mr. Cooper can explain how everything applies to your situation. Just give us a call. In the meantime, here’s what you need to know.

Conventional loans are a popular choice for Raton home buyers and are actually one of the most common mortgage options. These are loans that are not insured by the federal government. The government backs other home loan types, while private lenders like Mr. Cooper back conventional loans. Some advantages of a conventional loan could include favorable interest terms and various term lengths.

Depending on your situation, you may want to consider another type of home loan that's available to many Raton home buyers. It's called FHA. FHA stands for Federal Housing Administration. Accordingly, FHA loans are backed by the government. When compared to a conventional loan, an FHA loan generally has less restrictive credit requirements and often allows for a lesser down payment. Ask Mr. Cooper about FHA loan requirements in Raton today. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Raton. Get Started

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a home in Raton 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 Raton.

Mr. Cooper Mortgage Refinancing in Raton

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Raton. Refinancing your home loan means that you pay off your current home loan and replace it with a new one that can better meet your financial needs. The new loan may have a shorter loan term, a better interest rate, or both. Most of the time, the objective of refinancing is to obtain a lower interest rate and decrease your monthly payment (so you can invest more money in making memories in your Raton house!).

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 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 Raton to learn more about refinancing today.

Buying or Selling a Home in Raton with Mr. Cooper

Are you ready to buy a house in Raton, NM? Then you'll probably want to look into getting prequalified for a mortgage in Raton and seek professional assistance for how to buy a home in Raton. The real estate market in New Mexico is always changing, and Mr. Cooper mortgage professionals are equipped with the most up-to-date information. Your Mr. Cooper mortgage professional can help smooth out the home-buying process in a couple of ways: First, we’ll help you determine how much house you can realistically afford to purchase. Then, we can walk you through getting prequalified to buy a home in Raton and recommend you to our affiliate to locate a good real estate agent near you.* Last but not least, Mr. Cooper can help you secure a home loan that aligns with your financial situation and accelerates your home ownership journey. Consider Mr. Cooper your ally, from open house to closing day.

Are you researching how to sell a house in Raton, NM? Turn to Mr. Cooper for help. We know the challenges that come with selling a home in Raton, especially when you're trying to do it for the first time. As a seller, you'll get in-depth marketing and sales insight at an exceptional value. And as a buyer, you'll gain access to thousands of new listings and could be eligible for a special credit at closing.** Ask about the Mr. Cooper Real Estate Rewards program in Raton to learn more.

Mr. Cooper is here to keep the dream of home ownership alive for every customer — including you. Call today for more information about refinancing, home loans, and selling or buying a house in Raton. We are here for you.

Need Help? Contact Mr. Cooper Customer Service in Raton, NM

As your partner in the homeownership journey, we remain committed to serving you. So feel free to reach out to Mr. Cooper customer service in whatever way is most convenient for you. Call, sign in to our secure online message center, send an email, or message us through a social media channel like Facebook. You can even send us a letter. Connecting with Mr. Cooper is simple, whether you transfer ownership, make a payment, learn about refinancing, or ask a quick question. Our customer support team is 100% located in the U.S. and 100% dedicated to keeping your homeownership dreams alive.

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We're here to support you on the path to home ownership.

Get the facts about refinancing, buying or selling a home, consolidating debt, and more. Mr. Cooper is here for you.