Contact Mr. Cooper in Smithfield, VA

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Prequalify for a Mortgage in Smithfield, VA with Mr. Cooper

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. There’s a lot you can do with Mr. Cooper in Smithfield — including learning more about finances in general and learning about your credit score.

We know getting a mortgage can feel overwhelming, particularly when you're a first-time home buyer in Smithfield, VA. Call a Mr. Cooper mortgage professional for one-on-one guidance. In the meantime, here’s what you need to know.

Conventional loans are a popular choice for Smithfield 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. Some benefits of a conventional loan may include numerous term lengths and agreeable interest rates.

As a Smithfield home buyer, you might be eligible for FHA financing, another type of home loan. FHA loans are also called Federal Housing Administration loans. They're backed by the U.S. government. FHA loans are known for having more flexible credit qualifications and lesser down payments than conventional loans. Reach out to Mr. Cooper today to learn about FHA loan requirements in Smithfield.

VA home loans are only available to service members, veterans, and their spouses. If you're trying to buy a home in Smithfield as a veteran, surviving spouse, or an active-duty service member, you could qualify for a VA loan. At Mr. Cooper, we support our country's veterans, active-duty service members, and their families. It's our privilege to help every one of them become homeowners. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Smithfield. Get Started

Mr. Cooper Refinancing in Smithfield

In addition to new home loans, Mr. Cooper also offers mortgage refinancing in Smithfield. 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 might come with a more favorable interest rate, a shorter loan term, or both. A majority of the time, the objective 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 Smithfield house!).

There are a few different ways you can refinance your home loan. There's refinancing to get a more favorable interest rate or loan term. Cash-out refinancing is another option.† It allows homeowners who want to leverage their home's equity as cash to invest in things like home remodeling or higher education. 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 Smithfield can help you learn more about refinancing and choose the right refinance option.

Buying or Selling a Home in Smithfield with Mr. Cooper

Buying a house in Smithfield, 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 Smithfield. Virginia's real estate market ebbs and flows. Despite the constant change, Mr. Cooper mortgage professionals always have the most up-to-date insights. Mr. Cooper mortgage professionals will help simplify your home-buying experience 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 Smithfield 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 meets your financial needs and accelerates your home ownership journey. Think of Mr. Cooper as your ally, from home search to closing on your loan.

Are you researching how to sell a house in Smithfield, VA? Mr. Cooper has your back there, too. We understand the difficulties that come with selling a home in Smithfield, especially when you're trying to do it for the first time. As a seller, you'll receive extensive sales and marketing service at a good value. And as a buyer, you'll gain access to thousands of new listings and could be eligible for a special credit at closing.** Ask about the Mr. Cooper Real Estate Rewards program in Smithfield 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 Smithfield. We’ve got your back.

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