All About Buying a House in Clovis, CA

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Get Familiar with the Lay of the Land in Clovis, CA

Thinking about buying a home in Clovis? Great idea! You selected a lively city with a great balance of parks, businesses, and educational opportunities, 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 know the Clovis housing market well.

Clovis is growing by the day, which means Clovis homes don't always come cheap. Continued support for local businesses and cultural growth have helped to beckon entrepreneurs, retirees, and new graduates to the Clovis area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Clovis and the surrounding areas still offer a variety of home types and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream house! When buying a house in Clovis, consider how near or far away the home is from the places you visit most. If possible, 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. Exploring Clovis will also help you get a feel for how homes in east Clovis differ from west Clovis, what the neighborhoods are like, and where to find Clovis's hottest attractions.

Are you financially prepared to buy a house in Clovis? 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 every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in California or elsewhere. We work with new and experienced homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Clovis.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Clovis. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). You don't need an exact amount for these expenses. Searching the web for Clovis averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Then, consider how much you can contribute to a down payment. A down payment of at least 20% can help improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, the required down payment will depend on the type of loan you get. This is where getting prequalified for a mortgage comes in handy. Prequalification points you in the right direction as far as how much you may be eligible to borrow. 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 more options are always good!

Make Your Move: Buy a Home in Clovis, CA

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Clovis. Contact Mr. Cooper as you look to buy a home in Clovis. We're here for you from start to finish 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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