Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

Find the Murphy, NC Home Loan That's Best for You

For all your Murphy home loan needs, call Mr. Cooper. We're your purchase and refinance partner in North Carolina.

Busy? Have us call you back. Call Me Back

More Information

On Your Way Toward a New Home Loan in Murphy, NC

Houses aren't one size fits all. Murphy home loans aren’t either. Getting the best fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our goal is to transform the homeownership journey into an enjoyable one, beginning with the mortgage loan process. We encourage you to read on for introductory information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

As you start looking for loans, check your credit and work to get it in tip-top shape. A less-than-stellar credit score might mean you are presented with a higher interest rate on your loan. On the other hand, a high credit score can help you secure a better rate with your potential lender. Your credit score, finances, and and the timing in which you're looking to move can all impact the type of loan that matches your needs. So, what's out there to choose from?

Different Types of Home Loans in Murphy, NC

You may have options when it comes to Murphy home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loans might be a good choice for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA loans and VA loans are both types of government loans. Credit and salary/wage requirements are often laid-back than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. Which home loan is right for you? A professional Mr. Cooper loan officer can help you compare loans and plan your next steps, depending on where you are on your journey.

Get a Preapproval Letter Before You Shop in Murphy, NC

Get a Verified Approval Letter from your lender before you begin looking for houses in Murphy to demonstrate that you're a serious buyer. A Verified Approval Letter is evidence that the lender has reviewed your finances and has given you an estimate of how much you can buy. The letter can also carry more weight seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your credit, possible loan options and your Verified Approval letter. Now could be the perfect time for you to buy a house in Murphy. See how we can help you navigate your next home-buying experience!

Mr. Cooper Reviews for Murphy, NC

Read real stories from real Mr. Cooper home mortgage customers in Murphy, NC. Then contact us to see what we can do for you.

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

Let Mr. Cooper help you prequalify for a mortgage and get the keys to your dream home.