All About Buying a House in Citrus Heights, CA

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Exploring Citrus Heights, CA From North to South

Strongly considering a home purchase in Citrus Heights? Smart move! You've chosen 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 serve 3.8 million customers nationwide and know the Citrus Heights housing market well.

Citrus Heights is growing by the day, which means Citrus Heights homes don't always come cheap. Ongoing cultural expansion and economic growth have helped to attract entrepreneurs, retirees, and new graduates to the Citrus Heights area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Citrus Heights and its nearby areas still offer a wide range of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your dream house! When looking to buy a house in Citrus Heights, double check that you're factoring in the home's distance from your daily activities. 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. Discovering different parts of Citrus Heights will help you see how the northern part differs from the southern part, where to find Citrus Heights's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Citrus Heights? 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. You could choose to buy a home in California or elsewhere. We serve first-time homeowners and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Citrus Heights.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Citrus Heights house hunt. Next, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Citrus Heights averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, figure out what a realistic down payment would be for you. A down payment of at least 20% can help improve your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, the required down payment will depend on the type of loan you get. At this stage, getting prequalified for a loan can be extremely helpful. Prequalification points you in the right direction as far as how much you may be eligible 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 more options are always good!

Move Up and Out: Buying Your Dream House in Citrus Heights, CA

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 when you get to live in a stellar city like Citrus Heights, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Citrus Heights. 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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