All About Buying a House in Flagstaff, AZ

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Exploring Flagstaff, AZ From North to South

Thinking about buying a home in Flagstaff? Awesome! You've chosen a vibrant city with a great balance of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers from coast to coast and have the inside scoop on Flagstaff's housing scene.

Given all of Arizona's growth, Flagstaff homes aren't always easy to find at a comfortable price. Ongoing cultural expansion and economic growth have helped to attract young families, new businesses, and retirees to the Flagstaff area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Flagstaff and its neighboring areas still offer an array of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your perfect home! When buying a house in Flagstaff, consider how near or far away the home is from the places you visit most. If you can, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Exploring Flagstaff will also help you get a feel for how homes in east Flagstaff differ from west Flagstaff, what the communities are like, and where to find Flagstaff's coolest attractions.

Are you financially prepared to buy a house in Flagstaff? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe in keeping the dream of homeownership alive and work to make the journey less worrisome and more rewarding every step of the way. You could choose to buy a home in Arizona or elsewhere. We support first-time homeowners and experienced homeowners alike. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in Flagstaff.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Flagstaff. Then, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Flagstaff averages will usually give you some solid estimates. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Next, consider how much you can contribute to a down payment. Placing a minimum of 20% down can increase your odds of getting a good 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 will give you an idea of how much you might qualify to borrow. Also, check your credit. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

It's Go Time! Buy a House in Flagstaff, AZ

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Flagstaff, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Flagstaff. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a high-performing real estate agent who may be able to help you save thousands.*

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Buying or selling a house in Flagstaff? Mr. Cooper makes it easier.

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