All About Buying a House in Tucson, AZ

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Exploring Tucson, AZ From North to South

Thinking about buying a home in Tucson? Great idea! You've chosen a colorful city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers from coast to coast and have the inside scoop on Tucson's housing scene.

Tucson'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. Sustained economic growth and cultural expansion have helped to beckon retirees, new businesses, and young families to the Tucson area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Tucson and its nearby areas still offer an array of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When looking to buy a house in Tucson, consider how near or far away the home is from the places you visit most. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Traveling around Tucson will also give you an idea of why homes in west Tucson are priced differently than homes in east Tucson, where to find Tucson's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Tucson, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in Arizona or somewhere else entirely. We work with first-time homeowners and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Tucson.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Tucson house hunt. Then, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). You don't need an exact amount for these expenses. Everyone's situation will differ, but a quick online search for average expenses in Tucson will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, look at how much money you can put toward a down payment. Placing a minimum of 20% down can boost your chances of getting a favorable 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. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, consider your credit profile. 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?

Make Your Move: Buy a Home in Tucson, AZ

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like Tucson. Contact Mr. Cooper as you get ready to buy a house in Tucson. 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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