The Process of Buying a Home in Scottsdale, AZ

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Get Familiar with the Lay of the Land in Scottsdale, AZ

Ready to lay down some roots and buy a house in Scottsdale? Awesome! You picked a colorful city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers from coast to coast and have the inside scoop on Scottsdale's housing scene.

Given all of Arizona's growth, Scottsdale homes aren't always easy to find at a comfortable price. Ongoing economic growth and cultural expansion have helped to beckon entrepreneurs, retirees, and new graduates to the Scottsdale area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Scottsdale and the surrounding areas still offer a variety of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream home! When buying a home in Scottsdale, consider the home's location in relation to your everyday activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Discovering different parts of Scottsdale will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Scottsdale's hottest attractions.

Are you financially prepared to buy a house in Scottsdale? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. You don't even have to stick with your decision to buy a house in Scottsdale. We help first-time homeowners and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Scottsdale.

First, estimate how much house you can afford. This will help determine the price range for your Scottsdale house hunt. Next, add up the 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 Scottsdale 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, look at how much money you can put toward a down payment. A down payment of at least 20% can help increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. 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, take a good look at your credit. Lenders place a high importance on credit history when looking at your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

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

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But moving feels more rewarding when you get to live in a place like Scottsdale. Contact Mr. Cooper as you look to buy a home in Scottsdale. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

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