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Refinance Options

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By submitting my information, I understand that I am consenting for Nationstar Mortgage LLC d/b/a Mr. Cooper to contact me to discuss mortgage loan products and rate options at the email address and the phone number provided including via text messaging, automated or pre-recorded means. Standard data and text messaging rates apply. I understand that my consent is not required as a condition to purchase a good or service. I agree that I am subscribing to receive Mr. Cooper marketing emails. Mr. Cooper respects your privacy and treats your confidential information as such. For information, please review our Privacy Policy. See Terms and Conditions for Mr. Cooper's cellular phone contact policy.

The Mr. Cooper Advantage:

Reduced Costs

Our customers reduced their monthly debt payments by an average of over $400/month with debt consolidation refinance.

Added Convenience

We give you an all-in-one toolkit for your homebuying journey. Start your house hunt right by getting a speedy online Pre-Approval. Then use Mr. Cooper StreetSmarts to browse the latest home listings, and more.

Reduce High-Interest Debt

We’ll set you up with a dedicated mortgage professional to eliminate stress and make homebuying a breeze. Plus our 24/7 chat team is available for on-demand help. Get the support you need, on your time!

Get a Quick Quote on a Smart RefinanceWhether you’re looking to lower your payment, consolidate debt, or get cash out, refinancing your current mortgage could be easier than you think.
Important Disclosures

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 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.

    2.Average monthly debt payment reduction figures based on Mr. Cooper refinances from June 2022 – May 2023 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 conforming purchase loan transactions that close with Mr. Cooper. Mr. Cooper will apply .5% reduction in discount points compared to non-portfolio customer pricing. This additional discount translates to a $500 credit 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 an estimated current value of your property minus the estimated current amount owed. The amount of cash-out that may be available to you varies and depends on numerous factors including the value of your property and the maximum allowable LTV, which can vary significantly based on factors such as the loan program, your capacity to afford the new loan, your credit history, and the property type.

    6.Second mortgages are only available on properties with a first lien mortgage serviced by Mr. Cooper. Second mortgages available for primary residences only. Second mortgage/home equity loan amounts depend on the amount of equity you have in your home, your credit score, debt-to-income ratio, and other factors and program limits on the combined loan-to-value ratio. Not all borrowers or properties will qualify. Not available on properties located in TX, VT, NY, Washington DC, GU, PR, VI.

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