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Prequalify for a Mortgage in Charleston, SC with Mr. Cooper

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 support you throughout your journey to home ownership. Mr. Cooper in Charleston can be your home loan ally, whether you're searching 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 Charleston — including learning more about finances in general and learning about your credit score.

We understand that getting a mortgage can seem puzzling, particularly when you're a first-time home buyer in Charleston, SC. Call a Mr. Cooper mortgage professional for one-on-one guidance. Until then, here's what you need to know to get started.

Conventional loans are a popular mortgage option for Charleston home buyers. These loans are not federally insured. Instead, conventional loans are backed by private lenders like Mr. Cooper. Some benefits of a conventional loan could include numerous term lengths and agreeable interest rates.

As a Charleston home buyer, you might be eligible for FHA financing, another type of home loan. FHA stands for Federal Housing Administration. Accordingly, FHA loans are backed by the government. An FHA loan can have more flexible credit requirements and typically allows for a lesser down payment than a conventional loan. Learn more about FHA loan requirements in Charleston with Mr. Cooper.

VA home loans are only available to service members, veterans, and their spouses. If you're getting ready to buy a home in Charleston 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. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Charleston. Get Started

Mr. Cooper Refinancing in Charleston

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Charleston. 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 may have a shorter loan term, a better interest rate, or both. Most of the time, the goal of refinancing is to obtain a lower interest rate and cut down your monthly payment (so you can invest more money in making memories in your Charleston house!).

There are a few different ways you can refinance your home loan. 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.† Cash-out refinancing can also be a method for debt consolidation, since you can also 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 Charleston can help you learn more about refinancing and choose the right refinance option.

Buy or Sell a House in Charleston with Mr. Cooper's Help

Buying a house in Charleston, SC? Then you may want to start by seeking professional guidance for how to buy a house in Charleston and get prequalified for a mortgage in Charleston. Despite South Carolina's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. How can a Mr. Cooper mortgage professional help streamline your home-buying journey? We can help 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 Charleston 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 furthers your journey toward home ownership. From open house to closing day, Mr. Cooper is your ally.

Preparing to sell a home in Charleston, SC? Mr. Cooper can help you there, too. We understand the difficulties that come with selling a home in Charleston, especially when you're trying to do it for the first time. As a seller, you'll receive extensive sales and marketing service at an exceptional value. And as a buyer, you could be eligible for a special credit at closing and gain access to thousands of listings.** Ask about our Charleston Mr. Cooper Real Estate Rewards program to learn more.

Mr. Cooper is here to keep the dream of home ownership alive for every customer — including you. Give us a call for more information about refinancing, home loans, and selling or buying a house in Charleston. We’ve got your back.

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