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Why Choose Mr. Cooper in Troy, NY?

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Meet Mr. Cooper in Troy, 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. Before that, we went by the name Nationstar Mortgage in New York. This move went beyond a basic 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 ended online transaction fees for on-time payments. We also enhanced the customer journey and increased our services so you get quality support whether you are buying, selling, or just living in your home. We are here to serve you, both now and then.

Prequalify for a Mortgage in Troy, 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 support you throughout your journey to home ownership. Mr. Cooper in Troy can be your home loan ally, whether you're searching for a conventional home loan, a Federal Housing Administration loan (FHA), or a VA loan. You can do so much with Mr. Cooper in Troy — 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 Troy, NY. 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 mortgage option for Troy home buyers. The federal government does not insure these loans. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. Some advantages 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 Troy home buyers. It's called FHA. 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. Learn more about FHA loan requirements in Troy 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 Troy. Get Started

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

Mr. Cooper Refinancing in Troy

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Troy. 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 may have a shorter loan term, a better interest rate, or both. Most of the time, the objective of refinancing is to secure a lower interest rate and reduce your monthly payment (so you can spend more time and money making your Troy 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. One option is to refinance to get a better interest or loan term. 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.† 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.^ Whatever your situation, Mr. Cooper in Troy can help you learn more about refinancing and choose the right refinance option.

Buying or Selling a Home in Troy with Mr. Cooper

Getting ready to buy a home in Troy, 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 Troy. Despite New York's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest 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 Troy and recommend you to our affiliate to locate a good real estate agent near you.* Lastly, 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.

Selling a house in Troy, NY? Turn to Mr. Cooper for help. We're aware of the obstacles that come with selling a house in Troy, whether you're trying to sell a home for the first or fifteenth time. As a seller, you'll receive extensive sales and marketing 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 our Troy Mr. Cooper Real Estate Rewards program 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 Troy. We’ve got your back.

Turn to Mr. Cooper Customer Service in Troy, NY

As your partner in the homeownership journey, we remain committed to serving you. That means you can touch base with Mr. Cooper customer service when it's right for you. Sign in to our secure online message portal, email, call, 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 let us know you've received property through a divorce, make a payment, learn about refinancing, or ask a quick question. We have a 100% U.S.-based customer support team ready to help keep your dream of homeownership alive and well.

What’s Your Goal?

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

Work with Mr. Cooper for no online transaction fees, friendly U.S.-based customer service, and a cutting-edge mobile app with more tools and info than you can imagine.