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Mr. Cooper Mortgages in Reston, VA

Let's make your home ownership dreams a reality. As the nation's third-largest home loan servicer, Mr. Cooper is equipped to guide you through the home ownership process. Mr. Cooper in Reston 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. Mr. Cooper in Reston can help you do so much — even learn more about your credit score and finances in general.

We know that getting a mortgage can be complicated, and even more so when you're a first-time home buyer in Reston, VA. 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 choice for Reston home buyers and are actually one of the most common mortgage options. These are loans that are not insured by the federal government. The government backs other home loan types, while private lenders like Mr. Cooper back conventional loans. Some advantages of a conventional loan could include favorable interest terms and various term lengths.

Depending on your situation, you may want to consider another type of home loan that's available to many Reston home buyers. It's called FHA. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. government. An FHA loan can have more flexible credit requirements and typically allows for a lesser down payment than a conventional loan. Ask Mr. Cooper about FHA loan requirements in Reston today.

VA home loans aren't available to everyone. You must be an active duty service member, a veteran, or a surviving spouse of a veteran to apply. If you're trying to buy a house in Reston 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 honor to help our nation's veterans, active-duty service members, and their families 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 Reston. Get Started

Mr. Cooper Refinancing in Reston

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Reston. 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 could come with a shorter loan term, a more favorable interest rate, or both. A majority of the time, the goal of refinancing is to obtain a lower interest rate and reduce your monthly payment (so you can invest more money in making memories in your Reston house!).

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. 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 college tuition or home improvements. 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 Reston can help you learn more about refinancing and choose the right refinance option.

Selling or Buying a House in Reston with Mr. Cooper

Are you ready to buy a house in Reston, 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 Reston. Virginia's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date insights. 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 help you get prequalified to buy a home in Reston and connect you with our affiliate to find a reliable real estate agent.* Lastly, Mr. Cooper can help you secure a home loan that aligns with your financial situation and accelerates your home ownership journey. Consider Mr. Cooper your ally, from open house to closing day.

Selling a house in Reston, VA? Mr. Cooper has your back there, too. We're aware of the challenges that come with selling a home in Reston, whether you're trying to sell a home for the first or fifteenth time. As a seller, you'll receive extensive sales and marketing service at a good value. And as a buyer, you'll have access to thousands of home listings and might qualify for a Buyer's Bonus Credit at closing.** Ask about the Mr. Cooper Real Estate Rewards program in Reston to learn more.

Mr. Cooper is here to be your advocate on your homeowner journey. Contact us to learn more about applying for a home loan, refinancing an existing loan, or buying or selling a home in Reston. We're your ally.

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