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Why Choose Mr. Cooper in Happy Valley, OR?

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Have You Met Mr. Cooper in Happy Valley, OR?

We're a Oregon home loan company that puts people first, not piles of paperwork. But you might not have always known us by the name, "Mr. Cooper." We officially became "Mr. Cooper" in late 2017. Before that, you may have known us as Nationstar Mortgage in Oregon. The switch signified more than a company name change. We changed the way we did business for the better. How? First off, we put customer service operations back on U.S. soil and eliminated all online transaction fees for on-time payments. We also enhanced the customer journey and added special services to help you out whether you're buying, selling, or just living in your home. We are here to serve you, both now and then.

Mr. Cooper Mortgages in Happy Valley, OR

Ready to make your home ownership dreams come true? Let's do it. As the nation's third-largest home loan servicer, Mr. Cooper is ready to assist you in your journey to becoming a homeowner. Whether you want to learn more about conventional home loans, Federal Housing Administration loans (FHA), or VA loans, you can turn to Mr. Cooper. You can do so much with Mr. Cooper in Happy Valley — 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 Happy Valley, OR. Call a Mr. Cooper mortgage professional for one-on-one guidance. Here's what you need to know in the meantime.

Conventional loans are a popular mortgage option for Happy Valley home buyers. These are loans that are not insured by the federal government. Instead, conventional loans are backed by private lenders like Mr. Cooper. Some benefits of a conventional loan might include various term lengths and favorable interest rates.

FHA is another home loan type that may be available to you as a Happy Valley home buyer. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. 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 Happy Valley. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Happy Valley. Get Started

Only service members, veterans, and their spouses can receive a VA home loan. If you're getting ready to buy a home in Happy Valley and are a veteran, active-duty service member, or surviving spouse, you could be eligible 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. Due to the uniqueness of this home loan option, we encourage you to call a Mr. Cooper mortgage professional to learn more about VA loans in Happy Valley.

Mr. Cooper Refinancing in Happy Valley

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Happy Valley. 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 might come with a more favorable interest rate, a shorter loan term, or both. Generally speaking, the objective of refinancing is to obtain a lower interest rate and reduce your monthly payment (so you can spend more time and money making your Happy Valley home just the way you want it!).

Like new home loans, there are a couple of different ways to refinance. One option is to refinance to get a better interest or loan term. Cash-out refinancing is another option.† It allows homeowners who want to leverage their home's equity as cash to invest in things like home remodeling or higher education. This type of refinancing also allows for debt consolidation, since you can use equity from your home to tap into cash and pay down medical bills, car loans, or credit card debt.^ Whatever your situation, Mr. Cooper in Happy Valley can help you learn more about refinancing and choose the right refinance option.

Selling or Buying a House in Happy Valley with Mr. Cooper

Getting ready to buy a home in Happy Valley, OR? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in Happy Valley. Despite Oregon's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. Mr. Cooper mortgage professionals will help simplify your home-buying experience in a few ways: First off, we can help you calculate how much house you can afford to buy. Then, we can walk you through getting prequalified to buy a home in Happy Valley and connect you with our affiliate to find a reliable real estate agent.* Lastly, Mr. Cooper can help you secure a home loan that meets your financial needs and advances your dream of being a homeowner. From open house to closing day, Mr. Cooper is your ally.

Preparing to sell a home in Happy Valley, OR? Turn to Mr. Cooper for help. We know the difficulties that come with selling a home in Happy Valley, particularly if it's your first time doing it. As a seller, you'll receive extensive sales and marketing service at a good 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 Happy Valley to learn more.

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

Turn to Mr. Cooper Customer Service in Happy Valley, OR

As your partner in the homeownership journey, we remain committed to serving you. So feel free to reach out to Mr. Cooper customer service in whatever way is most convenient for you. Send an email, call, sign in to our secure online messaging service, or message us through a social media channel like Facebook. You can even send us a letter. Contacting Mr. Cooper is a breeze, whether you transfer ownership, make a payment, learn about refinancing, or ask a quick question. Our customer support team is 100% located in the U.S. and 100% dedicated to keeping your homeownership dreams alive.

What’s Your Goal?

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.