Contact Mr. Cooper in Wilson, NC

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Why Choose Mr. Cooper Mortgages in Wilson, NC?

Let's make your home ownership dreams a reality. As the nation's third-largest home loan servicer, Mr. Cooper is equipped to guide you through the home ownership process. Mr. Cooper in Wilson 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. Mr. Cooper in Wilson can help you do so much — even learn more about your credit score and finances in general.

We know getting a mortgage can feel overwhelming, especially if you're a first-time home buyer in Wilson, NC. Give us a call to see how it applies to you. Until then, here's what you need to know to get started.

Conventional loans are a popular choice for Wilson home buyers and are actually one of the most common mortgage options. The federal government does not insure these loans. The government backs other home loan types, while private lenders like Mr. Cooper back conventional loans. Some advantages of a conventional loan could include favorable interest terms and various term lengths.

As a Wilson 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. Ask Mr. Cooper about FHA loan requirements in Wilson today.

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 Wilson as a veteran, surviving spouse, or an active-duty service member, you could qualify for a VA loan. At Mr. Cooper, it's our honor to help our nation's veterans, active-duty service members, and their families realize their dreams of home ownership. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Wilson. Get Started

Refinance Your Home Loan in Wilson with Mr. Cooper

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Wilson. 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 objective of refinancing is to get a lower interest rate and reduce your monthly payment (so you can spend more time and money making your Wilson home just the way you want it!).

There are a few different ways you can refinance your home loan. 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 home remodeling or higher education. Cash-out refinancing can also be a method for debt consolidation, since you can also use equity from your home to tap into cash and pay down car loans, credit card debt, or medical bills.^ Whatever your situation, Mr. Cooper in Wilson can help you learn more about refinancing and choose the right refinance option.

Selling or Buying a House in Wilson with Mr. Cooper

Getting ready to buy a home in Wilson, 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 Wilson. The real estate market in North Carolina is always changing, and Mr. Cooper mortgage professionals are equipped with the most up-to-date information. How can a Mr. Cooper mortgage professional help streamline your home-buying journey? We can help in a few ways: First off, we can help you calculate how much house you can afford to buy. Then, we can help you get prequalified to buy a home in Wilson 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. Consider Mr. Cooper your ally, from open house to closing day.

Selling a house in Wilson, NC? Mr. Cooper has your back there, too. We're aware of the difficulties that come with selling a home in Wilson, especially when you're trying to do it for the first time. As a seller, you'll get in-depth marketing and sales insight at a great 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 Wilson to learn more.

Mr. Cooper is here to be your advocate on your homeowner journey. Call today for more information about applying for a home loan, refinancing an existing loan, or buying or selling a home in Wilson. We're your ally.

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