Special Offers From Mr. Cooper

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

Compare Hampton, VA Home Loans

Ready to move? Let's do it. Compare home loans in Hampton, VA with Mr. Cooper. We'll help you every step of the way.

Busy? Have us call you back. Call Me Back

More Information

Finding Your Fit, Finding Your Hampton Home Loan

A home isn't a one size fits all kind of thing. The same can be said for home loans in Virginia. Getting the best fit for you may require some comparison shopping! That's where Mr. Cooper comes in. Our aim is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We hope you'll keep reading for general information about finding a home loan, but also reach out to Mr. Cooper mortgage expert with questions about your situation.

As you begin searching for home loans, double check your credit and try your best to improve your score. A low credit score could mean you'll have a higher interest rate on your mortgage 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 timeframe you wish to make your move can all influence the type of home loan that fits your needs. So, what loans can you pick from?

Different Types of Home Loans in Hampton, VA

Hampton home buyers have more than one type of home loan to choose from. There are: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loans might be a good choice for you if your income and employment history are stable, your credit is healthy, and you're going to make a down payment of at least 3% depending on your situation.

VA and FHA loans fall into the government loan category. Credit and income requirements are often 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 loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Start with a Preapproval Letter in Hampton, VA

Talk to your lender about a Verified Approval Letter. Get one before you start going to Open Houses in Hampton to demonstrate that you really do intend to buy. A Verified Approval Letter is proof that your finances have been reviewed by the lender, and you have an estimate of how much you can buy. It can also show seller’s you’re serious about the home they’re selling. Contact a Mr. Cooper mortgage professional today to discuss everything from your Verified Approval letter to your credit and loan options. Now could be the perfect time for you to buy a house in Hampton. Get started with the help you need!

Mr. Cooper Reviews for Hampton, VA

Read real stories from real Mr. Cooper home mortgage customers in Hampton, VA. Then contact us to see what we can do for you.

Overall Rating

out of 5 stars ( customer reviews)

We're changing the face of home loans.

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