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What to Know Before Buying a Home in Costa Mesa, CA

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Understanding the Costa Mesa, CA Housing Landscape

Thinking about buying a home in Costa Mesa? Congratulations! You selected an energetic city with a great balance of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers across the country and are familiar with the ins-and-outs of the Costa Mesa housing market.

Costa Mesa is growing by the day, which means Costa Mesa homes don't always come cheap. Continued economic growth and cultural expansion have helped to entice entrepreneurs, retirees, and new graduates to the Costa Mesa area, but so much change also means a strain on housing options, school capacities, and city roads. Even so, Costa Mesa and its nearby areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream house! When buying a home in Costa Mesa, consider the home's location in relation to your everyday 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 Costa Mesa will help you see how the northern part differs from the southern part, what the communities are like, and where to find Costa Mesa's coolest attractions.

Are your finances in the right place to buy a home in Costa Mesa? 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 don't even have to stick with your decision to buy a house in Costa Mesa. We help experienced homeowners and first-time homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Costa Mesa.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Costa Mesa. Next, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Costa Mesa averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, consider how much you can contribute to a down payment. Placing a minimum of 20% down can increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, 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, take a good look at your credit. Credit history is an important part of your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Make Your Move: Buy a Home in Costa Mesa, 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 moving can also be incredibly rewarding, especially when you get to live in an amazing city like Costa Mesa. Contact Mr. Cooper as you get ready to buy a house in Costa Mesa. 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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