Why Choose Mr. Cooper in Gig Harbor, WA?

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Mr. Cooper Mortgages in Gig Harbor, WA

Let's make your home ownership dreams a reality. As the nation's third-largest home loan servicer, Mr. Cooper is ready to assist you in your journey to becoming a homeowner. 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 Gig Harbor — including learning more about finances in general and learning about your credit score.

We understand that getting a mortgage can seem puzzling, and even more so when you're a first-time home buyer in Gig Harbor, WA. Give us a call to see how it applies to you. Here's what you need to know in the meantime.

Conventional loans are a popular mortgage option for Gig Harbor home buyers. 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 advantages of a conventional loan might include favorable interest terms and various term lengths.

As a Gig Harbor 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. When compared to a conventional loan, an FHA loan generally has less restrictive credit requirements and often allows for a lesser down payment. Reach out to Mr. Cooper today to learn about FHA loan requirements in Gig Harbor.

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 getting ready to buy a home in Gig Harbor and are 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. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Gig Harbor. Get Started

Refinance Your Home Loan in Gig Harbor with Mr. Cooper

Besides new home loans, Mr. Cooper also provides mortgage refinancing in Gig Harbor. Refinancing a home loan is simple. It means you pay off your existing home loan and replace it with a new one that's a better fit for your financial situation. 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 decrease your monthly payment (so you can spend more money on making memories and building a life in your Gig Harbor 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 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 Gig Harbor can help you learn more about refinancing and choose the right refinance option.

Buying or Selling a Home in Gig Harbor with Mr. Cooper

Getting ready to buy a home in Gig Harbor, WA? Then you'll probably want to get prequalified for a home loan — along with some professional guidance for how to buy a house in Gig Harbor. Despite Washington's ever-changing real estate market, Mr. Cooper mortgage professionals are always equipped with the latest insights. Mr. Cooper mortgage professionals will help simplify your home-buying experience in a few ways: First, we can help you estimate how much house you can afford. Then, we can help you get prequalified to buy a home in Gig Harbor and connect you with our affiliate to find a reliable real estate agent.* Finally, Mr. Cooper can help you secure a home loan that meets your financial needs and furthers your journey toward home ownership. From open house to closing day, Mr. Cooper is your ally.

Selling a house in Gig Harbor, WA? Mr. Cooper has your back there, too. We know the challenges that come with selling a home in Gig Harbor, 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 great 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 Gig Harbor to learn more.

Mr. Cooper is here to help you on your journey to home ownership. Give us a call for more information about applying for a home loan, refinancing an existing loan, or buying or selling a home in Gig Harbor. We’ve got your back.

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