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. It was more than a simple name change. We overhauled our business to serve you better. First, we got rid of all online transaction fees. We also enhanced the customer journey and increased our services so you get quality support whether you are buying, shopping, or just living in your home. Then and now, you are our top priority.
Mr. Cooper Mortgages in Oak Harbor, WA
Looking to become a homeowner? It's the perfect time to do so. 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 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. With Mr. Cooper® Agent Assurance, we'll help you find a real estate agent you click with to make your homebuying journey stress-free. 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.
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. 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
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.
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. We can also help you get connected with a real estate agent through the Mr. Cooper® Agent Assurance program. 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. [content-title-10] Turn to Mr. Cooper Customer Service in Oak Harbor, WA
Contact Mr. Cooper Customer Service for Help in Oak Harbor, WA
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. 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. Contacting Mr. Cooper is a breeze, whether you need to transfer ownership, make a payment, learn about refinancing, or ask a quick question.
RightMove Resources for Mr. Cooper Clients
You've found your all-in-one-toolkit for the home buying journey in Oak Harbor with Mr. Cooper. Our Agent Assurance program pairs you with a local Oak Harbor agent you feel good about. StreetSmarts puts the latest home listings in Oak Harbor right in your hands so you don't have to worry about missing your dream home. We turn little hiccups into wins, too. If you don’t close on time, our Close On Time Guarantee means we’ll pay your first month's mortgage payment (principal and interest).* We'll even pay for a local move of up to 50 miles when you use Mr. Cooper for your next home loan.**
- † 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.