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Mr. Cooper Mortgages in Lexington, SC

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. Whether you want to learn more about conventional home loans, Federal Housing Administration loans (FHA), or VA loans, you can turn to Mr. Cooper. You can do so much with Mr. Cooper in Lexington — including learn more about mortgage rates, credit scores, and budgeting.

We know getting a mortgage can feel overwhelming, especially if you're a first-time home buyer in Lexington, SC. Call a Mr. Cooper mortgage professional for one-on-one guidance. Here's what you need to know in the meantime.

Conventional loans are a popular mortgage option for Lexington home buyers. These are loans that are not insured by the federal government. Private lenders like Mr. Cooper back conventional loans, where the government backs other home loan types. A couple of key benefits of a conventional loan may include numerous term lengths and agreeable interest rates.

FHA is another home loan type that may be available to you as a Lexington home buyer. FHA stands for Federal Housing Administration. Accordingly, FHA loans are backed by the government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Learn more about FHA loan requirements in Lexington with Mr. Cooper.

VA home loans are only available to service members, veterans, and their spouses. If you're trying to buy a home in Lexington as a veteran, surviving spouse, or an active-duty service member, you could qualify for a VA loan. At Mr. Cooper, it's our privilege to serve veterans and help them 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 Lexington. Get Started

Mr. Cooper Mortgage Refinancing in Lexington

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Lexington. 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 may have a shorter loan term, a better interest rate, or both. A majority of the time, the goal 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 Lexington home!).

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. 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 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 medical bills, car loans, or credit card debt.^ Whatever your situation, Mr. Cooper in Lexington can help you learn more about refinancing and choose the right refinance option.

Selling or Buying a House in Lexington with Mr. Cooper

Getting ready to buy a home in Lexington, SC? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in Lexington. 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, 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 Lexington and introduce you to our affiliate to find a dependable real estate agent.* Last but not least, Mr. Cooper can help you secure a home loan that aligns with your financial situation and advances your dream of being a homeowner. Think of Mr. Cooper as your ally, from home search to closing on your loan.

Preparing to sell a home in Lexington, SC? Mr. Cooper can help you there, too. We know the obstacles that come with selling a house in Lexington, 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 Lexington Mr. Cooper Real Estate Rewards program to learn more.

Mr. Cooper is here to be your advocate on your homeowner journey. Give us a call for more information about home loans, refinancing, and buying or selling a home in Lexington. We're your ally.

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Get the facts about refinancing, buying or selling a home, consolidating debt, and more. Mr. Cooper is here for you.