Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

Find the Smithfield, RI Home Loan That's Best for You

Ready to buy a house in Smithfield but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

Busy? Have us call you back. Call Me Back

More Information

On Your Way Toward a New Home Loan in Smithfield, RI

A home isn't a one size fits all kind of thing. Smithfield home loans aren’t either. Finding the right fit for you requires some loan-to-loan comparisons! That’s where Mr. Cooper can help. Our goal is to transform the homeownership journey into an enjoyable one, starting with the mortgage loan process. We encourage you to continue reading for routine information about selecting a mortgage loan, but also call a Mr. Cooper professional with any mortgage questions you might have.

Check your credit before you start applying for loans and try your best to improve your score. A less-than-stellar credit score could mean you end up with a higher interest rate on your home loan. On the other hand, a higher credit rating can help you negotiate your best rate with a potential lender. Your credit strength, financial state, and the timeline you wish to make your move can all impact the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Smithfield, RI?

There are several different types of home loans available to Smithfield home buyers: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan could be a great route for you if your credit is healthy, your income and employment history are stable, and you're ready to make a down payment of as little as 3% depending on your situation.

FHA and VA loans fall into the government loan category. Credit and income requirements are usually a little more laid-back than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. How do you know which home loan is the best for you? A professional loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Get a Preapproval Letter Before You Shop in Smithfield, RI

Secure a Verified Approval Letter from the lender before you start shopping for homes in Smithfield to show that you're serious about buying a home. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. The letter can also carry more weight to sellers you can buy the home they’re selling. Give us a call today to chat about everything from your credit, possible loan options and your Verified Approval letter. It could be the perfect season for you to buy a new house in Smithfield. Get started with the help you need!

Mr. Cooper Reviews from Real Customers in Smithfield, RI

Take it from these happy Mr. Cooper mortgage customers in Smithfield, RI: We love helping homeowners. Call now to see how we can serve you.

Overall Rating

out of 5 stars ( customer reviews)

We see home loans differently. We see them through your eyes.

With Mr. Cooper, you can get pre-approved for a mortgage and get into a new home sooner.