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Selling or buying? With Mr. Cooper RightMove, you can't go wrong.
Take the stress out of buying and selling with Mr. Cooper RightMove, your all-in-one toolkit for the
homebuying journey. From instant Prequalification to guaranteed closing, we have the tools to help you
make your best move yet. Heck, we'll even pay for your move.
Make your homebuying journey stress-free by connecting with trusted local agents.
We give you the tools to better understand where you are on your journey to homeownership.
Get custom insights on your loan, home, and neighborhood.
Starting your home search? Get your prequalification letter the easy way with our online tool.
When you're ready to buy a home, a Verified Approval letter can help you bid with confidence.
We'll close your loan on time, or your first month's mortgage payment (principal and interest) is on us*.
See legal disclosures.
Buy a new home with a mortgage from us and we'll pay for your move (up to 50 miles).
See legal disclosures.
Mr. Cooper® Close On Time Guarantee Terms and Conditions
*The Mr. Cooper® Close On Time Guarantee offers assurance to customers purchasing a
home with a Mr. Cooper home loan that the home loan will close on or before the contract closing date, or the customer
will receive a check equal to their first month's principal and interest payment ("Guarantee Payment"). The customer
is still responsible for making all scheduled loan payments according to the loan documents. For NY customers, this
may be subject to attorney availability and requires Mr. Cooper approval.
Eligibility: To be eligible for the Mr. Cooper Close On Time Guarantee,
(1) The customer must:
(a) submit a complete application for a purchase money home loan product directly to Mr. Cooper;
(b) provide a fully-executed purchase contract which must include all pages, addendums, and required signatures;
(c) provide all requested supporting documentation (including income/asset verification documents) needed to make a loan decision
and signed initial loan disclosures within 24 hours of submitting the home loan application or
within 24 hours of request by Mr. Cooper. All required documents
must be submitted electronically using Mr. Cooper's online portal, Loan Tracker; and
(d) remain responsive with any further requests from Mr. Cooper and third party settlement service providers (such as appraisers
and inspectors) in connection with the processing and underwriting of the home loan by providing any required
documentation, access to property, or other response within 24 hours of request; and
(2) The home loan application must be for a first lien, owner-occupied, conventional mortgage loan product. This offer does not
apply to VA, FHA, non-conventional, or non-QM home loan products.
(3) All required appraisals and an acceptable home inspection must be received 10 days before the Guaranteed Closing Date.
Title work must be completed 5 days before the Guaranteed Closing Date. Sufficient funds to close must be verified
5 business days before the Guaranteed Closing Date. All required approvals from third parties (e.g. HOA, Condo certifications,
etc.) must be received 5 days prior to the Guaranteed Closing Date. If home purchase is dependent on sale of
home, proceeds from home sale must be received same day or before the Guaranteed Closing Date. For home loans to be secured by
new construction, Mr. Cooper must receive a completed Final Inspection and/or certificate of occupancy at least
72 hours prior to the Guaranteed Closing Date.
Guaranteed Closing Date: The purchase contract closing date ("Guaranteed Closing Date") must be at least 21 calendar days after the
date that the customer submits the complete mortgage application, purchase agreement, and all requested
initial supporting documentation (including income/asset verification documents) to Mr. Cooper's Loan Tracker portal. If the
home loan does not close on or before the guaranteed closing date (subject to these terms and conditions), the
customer will receive the Guarantee Payment in the form of a check following the home loan closing. The customer is responsible for
any tax liability related to participating in the program and should consult a tax advisor if there are
any questions about their personal tax situation.
Important Restrictions: The Mr. Cooper Close On Time Guarantee will not apply if: (1) an existing home loan application has been
submitted by borrower involving same subject property address as of May 19, 2019 (2) changes are made to the
original closing date as documented in the purchase agreement; (3) changes are requested to the loan amount, product, or
terms requested within 10 days of the guaranteed closing date; (4) there are changes to borrower's income,
employment, or debt from time of application to closing; (5) closing date extensions are due to a delay in completion of
new construction, improvements, or property repairs; (6) either borrower or seller fails to meet purchase contract
terms and requirements including seller-related delays, (7) home loan transaction involves a Co-op, CEMAs, or requires
two or more appraisals, and/or (8) delay in closing is due to force majeure events including weather, or natural disaster.
Mr. Cooper reserves the right to amend, terminate, or withdraw the Mr. Cooper Close On Time
Guarantee at any time without prior notice.
*Zero Dollar Move Terms and Conditions
To qualify for a Zero Dollar Move, customers must prequalify for a new Mr. Cooper purchase loan by August 31, 2022
and the loan must close by September 30, 2022. Zero Dollar Moves are for local moves only -- a single local destination/address
within 50 miles of the zip code of the existing property address on file with Mr. Cooper. One Zero Dollar Move per loan.
Move must occur after closing of the new Mr. Cooper mortgage loan.
Zero Dollar Moves are arranged and provided by Bellhop, Inc. or its subsidiaries/affiliates ("Bellhop"). Zero Dollar Moves are subject to Bellhop's
Terms of Service and
Privacy Policy. Customer must agree to Bellhop's
Terms of Service,
Privacy Policy and any additional terms required by Bellhop.
Mr. Cooper is not responsible or liable to customers for any conduct of Bellhop, its agents, or personnel.
Zero Dollar Moves includes a minimum of two movers and a moving van to move and transport from origin to destination. Certain services not
included in Zero Dollar Moves, including but not limited to packing, packing materials, appliance disconnect/reconnect, furniture
disassembly/assembly, live plant moving, hazardous materials moving, moving heavy or oversized items (safes, pianos, and more),
additional stops, and additional personal property insurance. The cost and availability of these items varies by market. Contact
Bellhop for specific details and costs. Customer is responsible for accurately estimating the volume of items to move so that appropriate
number of vans and movers are assigned to the move. If volume is underestimated, move may be delayed and customer may incur additional costs.
You are not required to use Zero Dollar Move or Bellhop to obtain a mortgage from Mr. Cooper.
Zero Dollar Moves may require a minimum of a 7 to 21 days' notice to Bellhop (depending upon the market and time of year) prior to move.
If adequate notice is not provided, Bellhop reserves the right to decline service and customer waives rights to this offer.
Zero Dollar Moves are not available in all areas. No substitutions. Terms and conditions of offer move may change at any time at the sole
discretion of Mr. Cooper or Bellhop.
Need a home loan?
Get pre-qualified.
See how much house you can afford by
providing basic information online, then
speaking with a Mr. Cooper loan officer.
“Everyone at Mr. Cooper was right on time with every aspect of my sell and
buying experience. Thank you all for a easy buying and selling.”
-
Michael F. Verified Customer
“Everything went very smoothly with my mortgage process. My Mr. Cooper team
did a great job of getting everything done timely, thoroughly and professionally.
They consistently kept me informed throughout the entire process.
Obtaining my mortgage was easier than I ever expected and I highly recommend
Mr. Cooper to anyone looking for a mortgage.”
-
Barbara M. Verified Customer
“As a current customer of Mr. Cooper, the mortgage application process for a
loan on a new property was simple and straight-forward. Would highly recommend
Mr. Cooper to potential mortgage shoppers.”
-
Bonnie B. Verified Customer
Testimonials are actual customer experiences.
Results not typical.
Your results will vary and you may not see similar results.
