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Why Choose Mr. Cooper in Patchogue, NY?

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Have You Met Mr. Cooper in Patchogue, NY?

We're a New York home loan company that puts people first, not piles of paperwork. As our company has changed and advanced over the years, so has our name. In August 2017, we re-branded as Mr. Cooper. You may have previously known us as Nationstar Mortgage in New York. The change was more than a simple name change. We changed the way we did business for the better. How? First off, we moved all customer service operations back to the U.S. and got rid of online transaction fees for on-time payments. We also reinvigorated the customer experience and added special services to help you out whether you're buying, selling, or just living in your home. Then and now, we're here to serve you.

Prequalify for a Mortgage in Patchogue, NY with Mr. Cooper

Let's make your home ownership dreams a reality. 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 Patchogue — including learn more about mortgage rates, credit scores, and budgeting.

We understand that getting a mortgage can seem puzzling, especially if you're a first-time home buyer in Patchogue, NY. Call a Mr. Cooper mortgage professional for one-on-one guidance. Here's what you need to know in the meantime.

Conventional loans are a popular choice for Patchogue home buyers and are actually one of the most common mortgage options. These loans are not federally insured. 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 various term lengths and favorable interest rates.

Depending on your situation, you may want to consider another type of home loan that's available to many Patchogue home buyers. It's called FHA. 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. Learn more about FHA loan requirements in Patchogue with Mr. Cooper. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Patchogue. Get Started

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 Patchogue and are a veteran, surviving spouse, or an active-duty service member, you could qualify 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 Patchogue.

Mr. Cooper Mortgage Refinancing in Patchogue

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Patchogue. 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 could come with a shorter loan term, a more favorable interest rate, or both. Most of the time, the objective of refinancing is to secure a lower interest rate and decrease your monthly payment (so you can spend more time and money making your Patchogue home just the way you want it!).

Similar to how there are different options for new home loans, there are also different options for refinancing. There's refinancing to get a more favorable interest rate or loan term. There's also cash-out refinancing, which allows homeowners who want to leverage equity they have built in their home as cash to pay for home remodeling or higher education. This type of refinancing also allows for debt consolidation, since you can use equity from your home to tap into cash and pay down credit card debt, medical bills, or auto loans.^ Whatever your situation, Mr. Cooper in Patchogue can help you learn more about refinancing and choose the right refinance option.

Selling or Buying a House in Patchogue with Mr. Cooper

Getting ready to buy a home in Patchogue, NY? Then you'll probably want to look into getting prequalified for a mortgage in Patchogue and seek professional assistance for how to buy a home in Patchogue. Despite New York'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 can help you estimate how much house you can afford. Then, we can walk you through getting prequalified to buy a home in Patchogue and recommend you to our affiliate to locate a good real estate agent near you.* Lastly, Mr. Cooper can help you get a home loan that satisfies your financial needs and accelerates your home ownership journey. Consider Mr. Cooper your ally, from open house to closing day.

Selling a house in Patchogue, NY? Mr. Cooper has your back there, too. We're aware of the difficulties that come with selling a home in Patchogue, particularly if it's your first time doing it. As a seller, you'll get comprehensive marketing and sales service at a good value. And as a buyer, you could be eligible for a special credit at closing and gain access to thousands of listings.** Ask about the Mr. Cooper Real Estate Rewards program in Patchogue 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 Patchogue. We’ve got your back.

Turn to Mr. Cooper Customer Service in Patchogue, NY

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, drop a note in one of our social media channels or put a letter in the mail. Contacting Mr. Cooper is a breeze, whether you need to notify us that you've been awarded property through a divorce, make a payment, learn about refinancing, or ask a quick question. Our customer support team is 100% U.S.-based and 100% ready to help keep your vision for homeownership alive.

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