Why Choose Mr. Cooper in Troy, NC?

Busy? Have us call you back. Call Me Back

More Information

Prequalify for a Mortgage in Troy, 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 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, particularly when you're a first-time home buyer in Troy, NC. 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 one of the most common and popular mortgage options for home buyers in Troy. These are loans that are not insured by the federal government. Instead, conventional loans are backed by private lenders like Mr. Cooper. A couple of key benefits of a conventional loan could include favorable interest terms and various term lengths.

As a Troy home buyer, you might be eligible for FHA financing, another type of home loan. FHA loans, or Federal Housing Administration loans, are backed by the government. An FHA loan can have more flexible credit requirements and typically allows for a lesser down payment than a conventional loan. Reach out to Mr. Cooper today to learn about FHA loan requirements in Troy.

VA home loans aren't available to everyone. You must be an active duty service member, a veteran, or a surviving spouse of a veteran to apply. 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, 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 Troy. Get Started

Refinance Your Home Loan in Troy with Mr. Cooper

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Troy. Refinancing your home loan simply means paying off your current home loan and replacing it with a new one that better suits your financial needs. The new loan could come with a shorter loan term, a more favorable interest rate, or both. Most of the time, the goal of refinancing is to obtain 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 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 car loans, credit card debt, or medical bills.^ Mr. Cooper in Troy can help you learn more about refinancing and choose the right refinance option for your situation.

Selling or Buying a House in Troy with Mr. Cooper

Are you ready to buy a house in Troy, 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 Troy. 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’ll help you determine how much house you can realistically afford to purchase. Then, we can help you get prequalified to buy a home in Troy 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 meets your financial needs and accelerates your home ownership journey. Think of Mr. Cooper as your ally, from home search to closing on your loan.

Are you researching how to sell a house in Troy, NC? Turn to Mr. Cooper for help. We understand the difficulties that come with selling a home in Troy, particularly if it's your first time doing it. As a seller, you'll receive extensive sales and marketing service at an exceptional value. And as a buyer, you'll gain access to thousands of new listings and could be eligible for a special credit at closing.** Ask about the Mr. Cooper Real Estate Rewards program in Troy to learn more.

Mr. Cooper is here to be your advocate on your homeowner journey. Contact us to learn more about home loans, refinancing, and buying or selling a home in Troy. We're your ally.

What’s Your Goal?

We're changing the face of home loans.

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.