Mr. Cooper Mortgage Refinancing in Smithfield, NC

Busy? Have us call you back. Call Me Back

More Information

Types of Mr. Cooper Home Loans in Smithfield, NC

Mortgage Mr. Cooper here to ally with you in Smithfield, NC as you plan your next home purchase. As the nation's third-largest home loan servicer and a top-20 home lender, we have the background to help you navigate your loan options and chart a path for home buying success.

A Mr. Cooper mortgage professional can create a personalized strategy that will help you get smarter about your home loan options. We can help you understand how much house you can afford, what mortgage rates might be in Smithfield, and also get pre-approved in Smithfield. Our mortgage professionals start by evaluating your financial situation and where you are in life. From there, they compile a targeted plan to help you get the best mortgage option for you. Read on to learn more about different home mortgage options and contact a Mr. Cooper mortgage professional in Smithfield to get started. You can begin the pre-qualification process today. Get Started

Are You Eligible for an FHA Loan in Smithfield, NC?

If you're searching for a loan with a potentially lower down payment and flexible credit requirements, you might want to consider a Federal Housing Administration (FHA) loan. About 1 in 5 of all homebuyers go with this type of government-insured loan. The loan program is primarily designed to help homebuyers who cannot afford the traditional 20% down payment that is often required by private lenders. The down payment can be as low as 3.5%, which is a great fit for many buyers who aren't eligible for a conventional loan.

In the Smithfield area, Mr. Cooper has seen FHA loans increase in popularity alongside the rise of rental costs and student loan debt — two things that can make it hard to save money for a large down payment. FHA loans can also be accessible to borrowers with less than perfect credit scores. Wherever you are on your journey, Mr. Cooper can help you determine if an FHA loan is right for you. And if it's not, we'll help you find a different financing route.

Could You Get a VA Loan in Smithfield?

There's no question about it. America's service members, veterans, and their spouses should receive the best. If you think you may be eligible for a VA loan, Mr. Cooper can share their knowledge to help you get approved for a VA home loan in Smithfield. Contact Mr. Cooper if you're starting the home buying process in Smithfield and you could be eligible for a VA loan. This loan type can make the home buying process much easier in a couple of ways. VA loans offer lower rates when compared to the overall mortgage landscape. There’s also a chance that you may not be required to put down a down payment. With a Mr. Cooper professional guiding you through the application process, checking your VA eligibility for a VA loan in Smithfield is quick and easy.

Mr. Cooper Also Offers Jumbo Loans in Smithfield

Jumbo loans are a good match for many homebuyers in Smithfield. A jumbo loan, or a jumbo mortgage, goes beyond the limits of a conventional loan. Jumbo loans are designed to help people refinance or buy higher-valued real estate and are often millions of dollars. If you’re interested in jumbo loans to buy a home in Smithfield, you most likely need larger loan amounts that exceed conventional loan limits. Contact Mr. Cooper for more information on jumbo loan eligibility in Smithfield.

Buy a House in Smithfield with Help from Mr. Cooper

Mr. Cooper's team of mortgage professionals is ready to guide you through your home buying journey in Smithfield. But we know that doesn't mean the same thing to everyone. Some people just want to know the latest mortgage rates in Smithfield. Others want to get preapproved for a mortgage in Smithfield. While others are ready to speed through the loan application process and close on a home tomorrow! Mr. Cooper's home buyer program in Smithfield exists to make your dreams a reality. Contact a mortgage professional today.

Mr. Cooper Reviews from Real Customers in Smithfield, NC

Read reviews from actual Mr. Cooper home mortgage customers in Smithfield, NC.

We're changing the face of home loans.

With Mr. Cooper, you can get pre-approved for a mortgage and get into a new home sooner.