The Process of Buying a Home in Fresno, CA

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

Ready to lay down some roots and buy a house in Fresno? Great idea! You selected an energetic city with a great balance of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers across the country and have the inside scoop on Fresno's housing scene.

Given all of California's growth, Fresno homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to attract young families, new businesses, and retirees to the Fresno area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Fresno and the surrounding areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream home! When looking to buy a house in Fresno, consider how near or far away the home is from the places you visit most. 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. Exploring Fresno will also help you get a feel for how homes in east Fresno differ from west Fresno, what the communities are like, and where to find Fresno's coolest attractions.

You're ready to buy a house in Fresno, 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 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 Fresno. We support new and experienced homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Fresno.

First, calculate how much house you can afford. This will help determine the price range for your Fresno house hunt. Next, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. Searching the web for Fresno 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.

Now, look at how much money you can put toward a down payment. A down payment of at least 20% can help boost your chances of getting a great 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, 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!

It's Go Time! Buy a House in Fresno, 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 Fresno. Contact Mr. Cooper as you prepare to buy a house in Fresno. We're here for you from start to finish 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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