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Meet Mr. Cooper in Oak Harbor, WA

Mr. Cooper is the kind of Washington home loan company that prioritizes people, not stacks of paperwork. As our company has changed and advanced over the years, so has our name. In August 2017, we re-branded as Mr. Cooper. You may have previously known us as Nationstar Mortgage in Washington. The change was more than a simple name change. We overhauled our business to serve you better. First, we set up customer service teams in the United States and got rid of online transaction fees for on-time payments. We also enhanced the customer journey and added more services so you get great support whether you're looking to buy, sell, or simply enjoy your current home. Then and now, you are our priority.

Mr. Cooper Mortgages in Oak Harbor, WA

Looking to become a homeowner? It's the perfect time to do so. As the nation's third-largest home loan servicer, Mr. Cooper is equipped to guide you through the home ownership process. Mr. Cooper in Oak Harbor 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. You can do so much with Mr. Cooper in Oak Harbor — including learn more about mortgage rates, credit scores, and budgeting.

We understand that getting a mortgage can seem puzzling, especially if you're a first-time home buyer in Oak Harbor, WA. Give us a call to see how it applies to you. In the meantime, here’s what you need to know.

Conventional loans are a popular choice for Oak Harbor home buyers and are actually one of the most common mortgage options. The federal government does not insure these loans. Instead, conventional loans are backed by private lenders like Mr. Cooper. Some advantages of a conventional loan could 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 Oak Harbor home buyers. It's called FHA. FHA stands for Federal Housing Administration. Accordingly, FHA loans are backed by the government. An FHA loan can have more flexible credit requirements and typically allows for a lesser down payment than a conventional loan. Reach out to Mr. Cooper today to learn about FHA loan requirements in Oak Harbor. Since this loan option is so unique, we invite you to call Mr. Cooper to learn more about qualifying for a VA loan in Oak Harbor. Get Started

Only service members, veterans, and their spouses can receive a VA home loan. If you're trying to buy a house in Oak Harbor 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. 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 Oak Harbor.

Refinance Your Home Loan in Oak Harbor with Mr. Cooper

Mr. Cooper offers mortgage refinancing in Oak Harbor in addition to new home loans. Refinancing a home loan is simply paying off your existing home loan and replacing it with a new one that's a better fit for your financial situation. The new loan could come with a shorter loan term, a more favorable interest rate, or both. A majority of the time, the purpose of refinancing is to obtain a lower interest rate and decrease your monthly payment (so you can spend more time and money making your Oak Harbor home just the way you want it!).

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. Cash-out refinancing is another option.† It allows homeowners who want to leverage their home's equity as cash to invest in things like college tuition or home improvements. 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.^ The right refinance option is a phone call away. Contact Mr. Cooper in Oak Harbor to learn more about refinancing today.

Selling or Buying a House in Oak Harbor with Mr. Cooper

Are you ready to buy a house in Oak Harbor, WA? Then you'll probably want to look into getting prequalified for a mortgage in Oak Harbor and seek professional assistance for how to buy a home in Oak Harbor. Washington'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 walk you through getting prequalified to buy a home in Oak Harbor and introduce you to our affiliate to find a dependable real estate agent.* Last but not least, Mr. Cooper can help you secure a home loan that meets your financial needs and furthers your journey toward home ownership. Consider Mr. Cooper your ally, from open house to closing day.

Are you researching how to sell a house in Oak Harbor, WA? Mr. Cooper can help you there, too. We understand the challenges that come with selling a home in Oak Harbor, particularly if it's your first time doing it. As a seller, you'll get comprehensive marketing and sales service at an exceptional value. And as a buyer, you could be eligible for a special credit at closing and gain access to thousands of listings.** Ask about our Oak Harbor Mr. Cooper Real Estate Rewards program to learn more.

Mr. Cooper is here to help you on your journey to home ownership. Contact us to learn more about home loans, refinancing, and buying or selling a home in Oak Harbor. We're your ally.

Turn to Mr. Cooper Customer Service in Oak Harbor, WA

As your partner in the homeownership journey, we remain committed to serving you. So feel free to reach out to Mr. Cooper customer service in whatever way is most convenient for you. Send an email, call, sign in to our secure online messaging service, message us on our social media channels or send us a letter in the mail. Connecting with Mr. Cooper is simple, whether you need to complete a transfer of ownership, become a successor in interest for a Mr. Cooper loan, make a payment, or ask a quick question. Our customer support team is 100% located in the U.S. and 100% dedicated to keeping your homeownership dreams alive.

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Welcome to the world of Mr. Cooper, a place with no online transaction fees, quality U.S.-based customer service, and a cutting-edge mobile app that gives you more of what you want.