What to Know Before Buying a Home in Hartselle, AL

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Understanding the Hartselle, AL Housing Landscape

Thinking about buying a home in Hartselle? Congratulations! You've chosen a vibrant city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers across the country and have the inside scoop on Hartselle's housing scene.

Hartselle's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Ongoing cultural expansion and economic growth have helped to attract young families, new businesses, and retirees to the Hartselle area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Hartselle and the surrounding areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your perfect home! When buying a home in Hartselle, consider how near or far away the home is from the places you visit most. If possible, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Exploring Hartselle will also help you get a feel for how homes in east Hartselle differ from west Hartselle, where to find Hartselle's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Hartselle? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home and work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in Alabama or somewhere else entirely. We support new and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Hartselle.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Hartselle. Then, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Hartselle averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, look at how much money you can put toward a down payment. A down payment of at least 20% can help boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, the minimum down payment requirements depend on the type of loan. Here's where it can help to get prequalified for a mortgage. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Move Up and Out: Buying Your Dream House in Hartselle, AL

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Hartselle. Contact Mr. Cooper as you prepare to buy a house in Hartselle. We're here for you every step of the way and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

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