The Process of Buying a Home in Davis, CA

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

Thinking about buying a home in Davis? Congratulations! You selected a vibrant city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers from coast to coast and know the Davis housing market well.

Davis'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. Continued economic growth and cultural expansion have helped to entice entrepreneurs, retirees, and new graduates to the Davis area, but so much change also means more traffic, more competition, and a need for more schools. That said, Davis and its nearby areas still offer a wide range of homes in price and amenities. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream home! When buying a house in Davis, double check that you're factoring in the home's distance from your daily 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. Traveling around Davis will also give you an idea of why homes in west Davis are priced differently than homes in east Davis, what the neighborhoods are like, and where to find Davis's hottest attractions.

You're ready to buy a house in Davis, but is your bank account? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe everyone can find their dream home and work to make every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in California or somewhere else entirely. We support new and experienced homeowners alike. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in Davis.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Davis house hunt. After that, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Searching the web for Davis averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Now, figure out what a realistic down payment would be for you. 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). Even so, the minimum down payment requirements depend on the type of loan. This is where getting prequalified for a mortgage comes in handy. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Credit history is an important part of your mortgage application. The better your credit is, the more mortgage options you may be presented with— and more options are always good!

It's Go Time! Buy a House in Davis, CA

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Davis, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Davis. We're here for you every step of the way 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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