Mr. Cooper Serves Exeter, RI

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Why Choose Mr. Cooper Mortgages in Exeter, RI?

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 Exeter 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. There’s a lot you can do with Mr. Cooper in Exeter — including learning more about finances in general and learning about your credit score.

We understand that getting a mortgage can seem puzzling, and even more so when you're a first-time home buyer in Exeter, RI. Give us a call to see how it applies to you. Here's what you need to know in the meantime.

Conventional loans are one of the most common and popular mortgage options for home buyers in Exeter. These are loans that are not insured by the federal government. The government backs other home loan types, while private lenders like Mr. Cooper back conventional loans. A couple of key benefits of a conventional loan might include favorable interest terms and various term lengths.

Depending on your situation, you may want to consider another type of home loan that's available to many Exeter home buyers. It's called FHA. 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. Reach out to Mr. Cooper today to learn about FHA loan requirements in Exeter.

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a house in Exeter 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. 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 Exeter. Get Started

Mr. Cooper Refinancing in Exeter

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Exeter. Refinancing your home loan means that you pay off your current home loan and replace it with a new one that can better meet your financial needs. The new loan might come with a more favorable interest rate, a shorter loan term, or both. Most of the time, the objective of refinancing is to secure a lower interest rate and decrease your monthly payment (so you can invest more money in making memories in your Exeter house!).

Like new home loans, there are a couple of different ways to refinance. There's refinancing to get a more favorable interest rate or loan term. There's also cash-out refinancing, which allows homeowners who want to leverage equity they have built in their home as cash to pay for 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 car loans, credit card debt, or medical bills.^ Whatever your situation, Mr. Cooper in Exeter can help you learn more about refinancing and choose the right refinance option.

Buying or Selling a Home in Exeter with Mr. Cooper

Are you ready to buy a house in Exeter, RI? Then you'll probably want to look into getting prequalified for a mortgage in Exeter and seek professional assistance for how to buy a home in Exeter. Despite Rhode Island'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, we’ll help you determine how much house you can realistically afford to purchase. Then, we can walk you through getting prequalified to buy a home in Exeter and recommend you to our affiliate to locate a good real estate agent near you.* Lastly, Mr. Cooper can help you secure a home loan that aligns with your financial situation 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 Exeter, RI? Mr. Cooper can help you there, too. We understand the difficulties that come with selling a home in Exeter, 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 Exeter 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 Exeter. We're your ally.

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