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Mr. Cooper Mortgages in Smithfield, NC

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 support you throughout your journey to home ownership. Mr. Cooper in Smithfield 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. There’s a lot you can do with Mr. Cooper in Smithfield — including learning more about finances in general and learning about your credit score.

We know getting a mortgage can feel overwhelming, particularly when you're a first-time home buyer in Smithfield, NC. Mr. Cooper can explain how everything applies to your situation. Just give us a call. Here's what you need to know in the meantime.

Conventional loans are a popular mortgage option for Smithfield home buyers. These loans are not federally insured. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. Some benefits of a conventional loan might include favorable interest terms and various term lengths.

As a Smithfield home buyer, you might be eligible for FHA financing, another type of home loan. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Learn more about FHA loan requirements in Smithfield with Mr. Cooper.

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a house in Smithfield and you're a veteran, active-duty service member, or surviving spouse, you could 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. Because this type of home loan is so unique, we encourage you to call Mr. Cooper for more information about VA loans in Smithfield. Get Started

Refinance Your Home Loan in Smithfield with Mr. Cooper

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Smithfield. 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 might come with a more favorable interest rate, a shorter loan term, or both. A majority of the time, the goal of refinancing is to secure a lower interest rate and reduce your monthly payment (so you can invest more money in making memories in your Smithfield house!).

Like new home loans, there are a couple of different ways to refinance. 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 college tuition or home improvements. 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.^ The right refinance option is a phone call away. Contact Mr. Cooper in Smithfield to learn more about refinancing today.

Buying or Selling a Home in Smithfield with Mr. Cooper

Are you ready to buy a house in Smithfield, 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 Smithfield. North Carolina's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date 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 Smithfield and recommend you to our affiliate to locate a good real estate agent near you.* Last but not least, Mr. Cooper can help you get a home loan that satisfies your financial needs and furthers your journey toward home ownership. Think of Mr. Cooper as your ally, from home search to closing on your loan.

Are you researching how to sell a house in Smithfield, NC? Mr. Cooper has your back there, too. We know the difficulties that come with selling a home in Smithfield, 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'll have access to thousands of home listings and might qualify for a Buyer's Bonus Credit at closing.** Ask about the Mr. Cooper Real Estate Rewards program in Smithfield 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 Smithfield. We are here for you.

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

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