Why Choose Mr. Cooper in Raleigh, NC?

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Prequalify for a Mortgage in Raleigh, NC 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. Mr. Cooper in Raleigh 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 Raleigh — including learn more about mortgage rates, credit scores, and budgeting.

We know that getting a mortgage can be complicated, and even more so when you're a first-time home buyer in Raleigh, NC. 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 Raleigh. These loans are not federally insured. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. Some advantages of a conventional loan may include favorable interest terms and various term lengths.

FHA is another home loan type that may be available to you as a Raleigh home buyer. FHA loans, or Federal Housing Administration loans, are backed by the government. When compared to a conventional loan, an FHA loan generally has less restrictive credit requirements and often allows for a lesser down payment. Reach out to Mr. Cooper today to learn about FHA loan requirements in Raleigh.

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

Mr. Cooper Refinancing in Raleigh

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Raleigh. 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 may have a shorter loan term, a better interest rate, or both. Most of the time, the purpose 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 Raleigh 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. 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 college tuition or home improvements. Cash-out refinancing can also be a way to consolidate debt, since you can tap into your home's equity and use the cash to pay down car loans, credit card debt, or medical bills.^ The right refinance option is a phone call away. Contact Mr. Cooper in Raleigh to learn more about refinancing today.

Buying or Selling a Home in Raleigh with Mr. Cooper

Buying a house in Raleigh, NC? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in Raleigh. The real estate market in North Carolina is always changing, and Mr. Cooper mortgage professionals are equipped with the most up-to-date information. Your Mr. Cooper mortgage professional can help smooth out the home-buying process in a couple of ways: First, we’ll help you determine how much house you can realistically afford to purchase. Then, we can walk you through getting prequalified to buy a home in Raleigh 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. From open house to closing day, Mr. Cooper is your ally.

Are you researching how to sell a house in Raleigh, NC? Mr. Cooper can help you there, too. We know the obstacles that come with selling a house in Raleigh, whether you're trying to sell a home for the first or fifteenth time. As a seller, you'll get in-depth marketing and sales insight at an exceptional 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 Raleigh Mr. Cooper Real Estate Rewards program to learn more.

Mr. Cooper is here to help you on your journey to home ownership. Contact us to learn more about home loans, refinancing, and buying or selling a home in Raleigh. We're your ally.

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