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The Process of Buying a Home in Oildale, CA

Oildale is a growing market with a diverse inventory of housing. Before you move, consider this helpful information on buying a home in Oildale, CA.

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Understanding the Oildale, CA Housing Landscape

Ready to lay down some roots and buy a house in Oildale? Smart move! You've chosen an energetic city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers across the country and have the inside scoop on Oildale's housing scene.

Given all of California's growth, Oildale homes aren't always easy to find at a comfortable price. Sustained cultural expansion and economic growth have helped to attract young families, new businesses, and retirees to the Oildale area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Oildale and the surrounding areas still offer a wide range of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream house! When buying a house in Oildale, 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. Your home's location will influence almost every aspect of your life. Discovering different parts of Oildale will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Oildale's hottest attractions.

You're ready to buy a house in Oildale, but is your bank account? 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 Oildale. We serve new and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Oildale.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Oildale. After that, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Oildale averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, consider how much you can contribute to a down payment. Placing a minimum of 20% down can boost your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, the minimum down payment requirements depend on the type of loan. 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, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Oildale, 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 Oildale. Contact Mr. Cooper as you prepare to buy a house in Oildale.

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