Contact Mr. Cooper in Shelby, NY

Busy? Have us call you back. Call Me Back

More Information

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

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. You can do so much with Mr. Cooper in Shelby — including learn more about mortgage rates, credit scores, and budgeting.

We understand that getting a mortgage can seem puzzling, particularly when you're a first-time home buyer in Shelby, 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 one of the most common and popular mortgage options for home buyers in Shelby. 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 favorable interest terms and various term lengths.

As a Shelby home buyer, you might be eligible for FHA financing, another type of home loan. 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 Shelby today.

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a house in Shelby and you're an active-duty service member, a veteran, or a surviving spouse, you may 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 Shelby. Get Started

Refinance Your Home Loan in Shelby with Mr. Cooper

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Shelby. 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. Generally speaking, the purpose 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 Shelby 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. 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 improvements or college tuition.† This type of refinancing also allows for debt consolidation, since you can use equity from your home to tap into cash and pay down medical bills, car loans, or credit card debt.^ The right refinance option is a phone call away. Contact Mr. Cooper in Shelby to learn more about refinancing today.

Buy or Sell a House in Shelby with Mr. Cooper's Help

Are you ready to buy a house in Shelby, NY? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in Shelby. The real estate market in New York 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 Shelby and recommend you to our affiliate to locate a good real estate agent near you.* Finally, Mr. Cooper can help you secure a home loan that aligns with your financial situation and advances your dream of being a homeowner. Consider Mr. Cooper your ally, from open house to closing day.

Selling a house in Shelby, NY? Turn to Mr. Cooper for help. We understand the difficulties that come with selling a home in Shelby, whether you're trying to sell a home for the first or fifteenth time. 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 Shelby 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 applying for a home loan, refinancing an existing loan, or buying or selling a home in Shelby. We’ve got your back.

What’s Your Goal?

We see home loans differently. We see them through your eyes.

Welcome to the world of Mr. Cooper, a place with no online transaction fees, quality U.S.-based customer service, and a cutting-edge mobile app that gives you more of what you want.