Meet Mr. Cooper in Lincoln City, OR
We're a home loan company in Oregon that values people over paperwork. But you might not have always known us by the name, "Mr. Cooper." We adopted the name "Mr. Cooper" in August 2017. Before that, we went by the name Nationstar Mortgage in Oregon. The switch signified more than a company name change. We changed the way we did business for the better. For one, we got rid of all online transaction fees. We even revamped the customer experience and added special services to help you out whether you're shopping, buying, or just enjoying the home you have. We are here to serve you, both then and now.
Why Choose Mr. Cooper Mortgages in Lincoln City, OR?
Let's make your home ownership dreams a reality. As one of the nation's largest home loan servicers, Mr. Cooper is ready to support you throughout your journey to home ownership. Mr. Cooper in Lincoln City can be your home loan ally, whether you're looking for a conventional home loan, a Federal Housing Administration loan (FHA), or a VA loan. You can do so much with Mr. Cooper in Lincoln City — including learn more about mortgage rates, credit scores, and budgeting.
We understand that getting a mortgage can seem puzzling, and even more so when you're a first-time home buyer in Lincoln City, OR. Give us a call to see how it applies to you. With Mr. Cooper® Agent Assurance, we'll help you find a real estate agent you click with to make your homebuying journey stress-free. In the meantime, here’s what you need to know.
Conventional loans are a popular mortgage option for Lincoln City home buyers. These loans are not federally insured. Some benefits of a conventional loan could include various term lengths and favorable interest rates.
Depending on your situation, you may want to consider another type of home loan that's available to many Lincoln City home buyers. It's called FHA. 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. Learn more about FHA loan requirements in Lincoln City with Mr. Cooper.
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 house in Lincoln City and you're 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. Because this type of home loan is so unique, we encourage you to call Mr. Cooper for more information about VA loans in Lincoln City. Get Started
Mr. Cooper Refinancing in Lincoln City, OR
Mr. Cooper offers mortgage refinancing in Lincoln City in addition to new home loans. 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 objective of refinancing is to get a lower interest rate and cut down your monthly payment (so you can spend more money on making memories and building a life in your Lincoln City home!).
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 home improvements or college tuition.† 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.^ The right refinance option is a phone call away. Contact Mr. Cooper in Lincoln City to learn more about refinancing today.
Buying a House in Lincoln City with Mr. Cooper
Buying a house in Lincoln City, OR? Then you'll probably want to get preapproved for a home loan — along with some professional guidance for how to buy a house in Lincoln City. Despite Oregon's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. Your Mr. Cooper mortgage professional can help smooth out the home-buying process in a couple of ways: First off, we can help you calculate how much house you can buy. Next, we can help you get pre-approved for a mortgage in Lincoln City. If you're in need of a real estate agent, we can help get you connected through the Mr. Cooper® Agent Assurance program. Lastly, Mr. Cooper can help you secure a home loan that meets your financial needs and accelerates your home ownership journey. From open house to closing day, Mr. Cooper is your ally.
Contact Mr. Cooper Customer Service for Help in Lincoln City, OR
We're here to walk alongside you in your homeownership journey and remain dedicated to serving you. So feel free to reach out to Mr. Cooper customer service in whatever way is most convenient for you. Sign in to our secure online message portal, email, call, message us on our social media channels, or send us a letter in the mail. Contacting Mr. Cooper is a breeze, whether you need to let us know you've received property through a divorce, make a payment, learn about refinancing, or ask a quick question.
RightMove Resources for Mr. Cooper Clients
Mr. Cooper really is your one-stop shop for the Lincoln City home buying journey. Our Agent Assurance program connects you with a local agent who you feel confident working with from day one. StreetSmarts keeps you in-the-know on the latest listings, so you don’t have to stress over missing your shot at your dream home. And if you don't close on that dream home on time, our Close On Time Guarantee means your first month's mortgage payment (principal and interest) is on us.* We'll even pay for a local move of up to 50 miles when you use Mr. Cooper for your next home loan.**
- † A cash‐out refinance increases your mortgage debt and reduces the equity you may have in your home. Your monthly mortgage payments may be higher.
- ^ A debt consolidation refinance increases your mortgage debt, reduces equity, and extends the term on shorter‐term debt and secures such debts with your home. The relative benefits you receive from debt consolidation will vary depending on your individual circumstances. You should consider that a debt consolidation loan may increase the total number of monthly payments and the total amount paid over the term of the loan. To enjoy the benefits of a debt consolidation loan, you should not carry new credit card or high interest rate debt.