Meet Mr. Cooper in Henrico, VA
Mr. Cooper is the kind of Virginia home loan company that prioritizes people, not stacks of paperwork. As our business has evolved over the years, our company name has, too. We adopted the name "Mr. Cooper" in August 2017. Before that, we went by the name Nationstar Mortgage in Virginia. This move went beyond a basic name change. We changed the way we did business for the better. For one, we ended all online transaction fees. We also reinvigorated the customer experience and added more services so you get great support whether you're looking to buy, shop, or simply enjoy your current home. We are here to serve you, both then and now.
Prequalify for a Mortgage in Henrico, VA with Mr. Cooper
Ready to make your home ownership dreams come true? Let's do it. As one of the nation's largest home loan servicers, Mr. Cooper is equipped to guide you through the home ownership process. Mr. Cooper in Henrico 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. Mr. Cooper in Henrico can help you do so much — even learn more about your credit score and finances in general.
We know getting a mortgage can feel overwhelming, particularly when you're a first-time home buyer in Henrico, VA. Mr. Cooper can explain how everything applies to your situation. Just give us a call and through our Mr. Cooper® Agent Assurance program, we'll get you hooked up with a real estate agent you click with. Until then, here's what you need to know to get started.
Conventional loans are a popular choice for Henrico home buyers and are actually one of the most common mortgage options. The federal government does not insure these loans. 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 various term lengths and favorable interest rates.
Depending on your situation, you may want to consider another type of home loan that's available to many Henrico home buyers. It's called FHA. FHA loans, or Federal Housing Administration loans, are backed by the government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Ask Mr. Cooper about FHA loan requirements in Henrico today.
VA home loans are only available to service members, veterans, and their spouses. If you're trying to buy a house in Henrico and you're 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. 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 Henrico. Get Started
Refinance Your Home Loan in Henrico with Mr. Cooper
Mr. Cooper offers mortgage refinancing in Henrico in addition to new home loans. 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. A majority of the time, the purpose of refinancing is to get a lower interest rate and reduce your monthly payment (so you can invest more money in making memories in your Henrico house!).
Similar to how there are different options for new home loans, there are also different options for refinancing. 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 improvements or college tuition.† Cash-out refinancing can also be a way to consolidate debt, since you can tap into your home's equity and use the cash to pay down credit card debt, medical bills, or auto loans.^ Whatever your situation, Mr. Cooper in Henrico can help you learn more about refinancing and choose the right refinance option.
Buying a Home in Henrico with Mr. Cooper
Buying a house in Henrico, VA? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in Henrico. The real estate market in Virginia is always changing, and Mr. Cooper mortgage professionals are equipped with the most up-to-date information. 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 Henrico. If you're in need of a real estate agent, we can help get you connected through the Mr. Cooper® Agent Assurance program. Last but not least, Mr. Cooper can help you get a home loan that satisfies your financial needs and accelerates your home ownership journey. Think of Mr. Cooper as your ally, from home search to closing on your loan.
Need Help? Contact Mr. Cooper Customer Service in Henrico, VA
We're here to walk alongside you in your homeownership journey and remain dedicated to serving you. So feel free to reach out to Mr. Cooper customer service in whatever way is most convenient for you. Sign in to our secure online message portal, email, call, or message us through a social media channel like Facebook. You can even send us a letter. Getting in contact with Mr. Cooper can be easy, whether you need to let us know you've received property through a divorce, check out refinancing options, ask a question, or become a successor in interest for a Mr. Cooper loan.
RightMove Resources for Mr. Cooper Clients
We’ve covered all the bases when it comes to the Henrico home buying journey, so hitting a “home run” is easier than ever. Our Agent Assurance program pairs you with a local Henrico agent you feel good about. StreetSmarts makes sure you know about the latest listings, so you don’t have to worry about missing out on your perfect match. And on the off chance you don’t close on time, the Mr. Cooper Close On Time Guarantee means your first month's mortgage payment (principal and interest) is on us.* Use Mr. Cooper for your next home loan and we’ll even pay for a local move of up to 50 miles.**
- † A cash‐out refinance increases your mortgage debt and reduces the equity you may have in your home. Your monthly mortgage payments may be higher.
- ^ A debt consolidation refinance increases your mortgage debt, reduces equity, and extends the term on shorter‐term debt and secures such debts with your home. The relative benefits you receive from debt consolidation will vary depending on your individual circumstances. You should consider that a debt consolidation loan may increase the total number of monthly payments and the total amount paid over the term of the loan. To enjoy the benefits of a debt consolidation loan, you should not carry new credit card or high interest rate debt.