Mr. Cooper Home Loans in St. Helens, OR
In St. Helens, planning a home purchase is easier when you have Mr. Cooper on your side. As the nation's third-largest home loan servicer and a top-20 home lender, we have decades of experience to help you understand your loan options and solidify your home buying plan.
Work with a Mr. Cooper mortgage professional and you can get a customized strategy for approaching your home loan journey — one that will help you walk confidently. We can help you determine everything from how much house you can afford to what today's mortgage rates are in St. Helens. Our mortgage professionals will evaluate your unique financial and living situation and will come up with a recommended plan for the best mortgage options that fit your needs. Read on to learn more about different home mortgage options and call one of Mr. Cooper's mortgage professionals in St. Helens to start your journey. You could prequalify for a mortgage in no time. Get Started
Are You Eligible for an FHA Loan in St. Helens, OR?
If you’re looking for a loan with flexible credit requirements and a potentially lower down payment, a Federal Housing Administration (FHA) loan may be a good option for you. This government-insured loan type is behind nearly 1 in 5 of all homebuyers. The loan program is primarily designed to help homebuyers who cannot afford the traditional 20% down payment that is often required by private lenders. With a down payment that can be as low as 3.5%, an FHA loan can end up being a perfect match for buyers who aren't eligible for conventional loans.
Around St. Helens, Mr. Cooper has watched FHA loans rise in popularity alongside increases in student loan debt and rental costs — two things that can make it hard to save money for a large down payment. Another perk to FHA loans is that they're usually available to borrowers with lower credit scores. Wherever you are on your journey, Mr. Cooper can walk you through the ins and outs of FHA loans and figure out the best financing option for your needs.
Could You Get a VA Loan in St. Helens?
This nation's service men and women, veterans, and their spouses deserve nothing but the best. If you think you might be eligible for a VA loan, Mr. Cooper can lend our expertise in helping you get qualified for a VA home loan in St. Helens. Contact Mr. Cooper if you're starting the home buying process in St. Helens and you could be eligible for a VA loan. This type of financing has many benefits and can make the home buying process simpler. VA loans offer lower rates when compared to the overall mortgage landscape. There's also a possibility that you won't have to put down a down payment. Checking your VA eligibility for a VA loan in St. Helens is quick and easy with a Mr. Cooper professional guiding you through the application process.
Mr. Cooper Also Offers Jumbo Loans in St. Helens
Jumbo loans are a special financing option for some homebuyers in St. Helens. A jumbo loan, or a jumbo mortgage, exceeds 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 curious about using a jumbo loan to buy a house in St. Helens, you'll probably need larger loan amounts that surpass conventional loan limits. Call Mr. Cooper to learn more about jumbo loan eligibility in St. Helens.
Mr. Cooper Can Help You Buy a Home in St. Helens
Mr. Cooper's family of mortgage professionals is ready to help you buy a house in St. Helens. However, we know that looks different for everyone. Some people just want to know the latest mortgage rates in St. Helens. Others can't wait to prequalify for a mortgage in St. Helens. And still others can't wait to pack their moving boxes and close on a home as soon as possible! No matter what you're looking for, Mr. Cooper's home buyer program in St. Helens can help you find it. Talk to a mortgage professional today.