Why Choose Mr. Cooper in Taos, NM?

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Why Choose Mr. Cooper Mortgages in Taos, NM?

Looking to become a homeowner? It's the perfect time to do so. 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. There’s a lot you can do with Mr. Cooper in Taos — 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 Taos, NM. Give us a call to see how it applies to you. Until then, here's what you need to know to get started.

Conventional loans are a popular mortgage option for Taos home buyers. These loans are not federally insured. Instead, conventional loans are backed by private lenders like Mr. Cooper. A couple of key benefits of a conventional loan may include numerous term lengths and agreeable interest rates.

FHA is another home loan type that may be available to you as a Taos home buyer. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. 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 Taos today.

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a home in Taos as a veteran, active-duty service member, or surviving spouse, you could be eligible for a VA loan. At Mr. Cooper, we support our country's veterans, active-duty service members, and their families. It's our privilege to help every one of them become homeowners. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Taos. Get Started

Mr. Cooper Refinancing in Taos

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Taos. 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 could come with a shorter loan term, a more favorable interest rate, or both. Generally speaking, the goal of refinancing is to obtain a lower interest rate and reduce your monthly payment (so you can spend more money on making memories and building a life in your Taos home!).

There are a few different ways you can refinance your home loan. There's refinancing to get a more favorable interest rate or loan term. Cash-out refinancing is another option.† It allows homeowners who want to leverage their home's equity as cash to invest in things like college tuition or home improvements. This type of refinancing also allows for debt consolidation, since you can use equity from your home to tap into cash and pay down car loans, credit card debt, or medical bills.^ The right refinance option is a phone call away. Contact Mr. Cooper in Taos to learn more about refinancing today.

Buying or Selling a Home in Taos with Mr. Cooper

Getting ready to buy a home in Taos, NM? Then you may want to start by seeking professional guidance for how to buy a house in Taos and get prequalified for a mortgage in Taos. New Mexico's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date insights. Your Mr. Cooper mortgage professional can help smooth out the home-buying process in a couple of ways: First, we can help you estimate how much house you can afford. Next, we can help you prequalify for a mortgage in Taos and connect you with our affiliate to find a reliable real estate agent.* Finally, Mr. Cooper can help you get a home loan that satisfies your financial needs and advances your dream of being a homeowner. Think of Mr. Cooper as your ally, from home search to closing on your loan.

Selling a house in Taos, NM? Mr. Cooper can help you there, too. We know the obstacles that come with selling a house in Taos, especially when you're trying to do it for the first time. As a seller, you'll get comprehensive marketing and sales service at a great 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 Taos to learn more.

Mr. Cooper is here to be your advocate on your homeowner journey. Give us a call for more information about applying for a home loan, refinancing an existing loan, or buying or selling a home in Taos. We’ve got your back.

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