We’re Here to Help
Want to reduce your home payment, remodel your kitchen, or get cash for other big expenses? Or maybe you just want to consolidate your debts and get a better rate. Whatever your goal is, we’ll make it our goal, too. That’s the Mr. Cooper difference.
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Not Just Another Mortgage Lender
We’re turning the home-lending process inside out by putting your home and your goals at the center of everything we do.
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.
By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan.
1.Debt Consolidation Disclosure: A debt consolidation refinance increases your mortgage debt, reduces equity, and extends the term on shorter-term debt and secures such debt 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 other high interest rate debt.
2.Average monthly debt payment reduction figures based on Mr. Cooper refinances from June 2021 – May 2022 in which a customer paid off at least one non-mortgage debt. Comparison between total minimum monthly payments before and after refinance. Individual results will vary.
3.Purchase Loan Discount For Existing Customers: Offer is only available to existing customers serviced by Nationstar Mortgage LLC d/b/a Mr. Cooper on new purchase loan transactions that close with Mr. Cooper. Mr. Cooper will apply .5% in discount points compared to non-portfolio customer pricing. This additional discount translates to a credit $500 of discount points for every $100,000 in final loan amount. As an example, if your final loan amount is $200,000.00, Mr. Cooper will apply $1,000.00 (.5% of 200,000) towards discount points at time of rate lock. Offer is subject to change. Offer applies to new purchase loan applications submitted on or after 2/12/2018 and close with Mr. Cooper.
4.Reduced Fees and Less Paperwork Disclaimer: In some cases, an FHA streamline refinance or VA Interest Rate Reduction Refinance Loan (IRRRL) may require an appraisal and/or full income and asset documentation and full credit qualification. This requirement will increase fees and required paperwork. A licensed Mortgage Professional can inform you of all options available to you as well as the program requirements.
5.Available cash or cash-out amount is an estimate of the equity you may be able to withdraw. It is based on the highest estimated current value of your property minus the estimated current amount owed. Closing costs may affect amount of cash-in-hand. For most conventional and FHA loan products, it assumes you can withdraw up to 80% of the equity. For VA loans, it assumes you can withdraw up to 90% of the equity. If you do not occupy the property, it assumes you can withdraw between 70-75% of the equity, depending on the number of units in the property. Highest estimated property value is generated by Mr. Cooper’s affiliate Xome® by application of various mathematical formulas/techniques using available local market, licensed, and proprietary data. It is not prepared by a licensed appraiser and is not an appraisal. Data used to generate the estimate does not include information from a visible inspection and the condition of a property can materially affect the value. Estimated value and related calculations are provided for information purposes only.