All About Buying a House in Oakdale, CA

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

Thinking about buying a home in Oakdale? Awesome! You picked a lively city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers nationwide and have the inside scoop on Oakdale's housing scene.

Oakdale'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. Ongoing cultural expansion and economic growth have helped to beckon young families, new businesses, and retirees to the Oakdale area, but so much change also means more traffic, more competition, and a need for more schools. That said, Oakdale and its nearby areas still offer an array of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream home! When buying a house in Oakdale, double check that you're factoring in the home's distance from your daily activities. If possible, test drive your route to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Exploring Oakdale will also help you get a feel for how homes in east Oakdale differ from west Oakdale, where to find Oakdale's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Oakdale? 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 could choose to buy a home in California or elsewhere. We support first-time homeowners and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Oakdale.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Oakdale house hunt. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Oakdale averages will usually give you some solid estimates. 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. Placing a minimum of 20% down can boost your chances of getting a great 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. 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, 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!

It's Go Time! Buy a House in Oakdale, 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 Oakdale. Contact Mr. Cooper as you get ready to buy a house in Oakdale. 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.*

Mr. Cooper Reviews from Real Customers in Oakdale, CA

Read real stories from real Mr. Cooper home buyers and sellers in Oakdale, CA. Then contact us to see what we can do for you.

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