*A second lien home equity loan is an additional loan with a different interest rate/APR and other terms, from the first mortgage. Second liens only available on primary residences with a first lien mortgage serviced by Mr. Cooper. The amount and terms of the second mortgage depend on amount of equity, credit, debt-to-income ratio, combined loan-to-value ratio, and other factors. Not all borrowers or properties will qualify. Not available on properties in VT, NY, DC, GU, PR, VI. In Texas, second liens are not available if the first lien mortgage on the property is also a home equity loan (any cash out was received) or to refinance an existing second lien closed in the last 12 mos.

**Debt consolidation refinances increase mortgage debt, reduce equity, and extend the term on shorter-term debt and secure it with your property. The relative benefits received from debt consolidation will vary. A debt consolidation loan may increase the total number and amount of monthly payments and the total amount paid over the term of the loan. To enjoy the benefits of a debt consolidation loan, borrowers should not carry new credit card or high interest rate debt. A cash-out refinance increases your mortgage debt and reduces equity. It may increase the total number and amount of monthly payments, total finance charges, and/or the total amount paid on the mortgage.

This is not a commitment to lend. All loans are subject to credit and property approval. This offer is non-transferable and may not be combined with any other mortgage offer. Advertised offer is subject to change. If a personal code is present on the advertised offer, you must provide such code to claim the offer. We may gather information about you including, but not limited to, credit bureau information, information for verification of income, information for appraisal and verification of property being used for collateral. We also verify your identity. Income, assets, and debt must meet eligibility requirements as established by Government and/or Lender guidelines.