The Process of Buying a Home in Oroville, CA

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Exploring Oroville, CA From North to South

Thinking about buying a home in Oroville? Congratulations! You picked a colorful city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers across the country and know the Oroville housing market well.

Given all of California's growth, Oroville homes aren't always easy to find at a comfortable price. Sustained cultural expansion and economic growth have helped to beckon retirees, new businesses, and young families to the Oroville area, but so much change also means more traffic, more competition, and a need for more schools. That said, Oroville and its nearby areas still offer an array of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your perfect home! When looking to buy a house in Oroville, consider the home's location in relation to your everyday 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 Oroville will also help you get a feel for how homes in east Oroville differ from west Oroville, what the neighborhoods are like, and where to find Oroville's hottest attractions.

Are your finances in the right place to buy a home in Oroville? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in California or somewhere else entirely. We serve 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 Oroville.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in Oroville. After that, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Oroville will usually point you in the right direction. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Now, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can increase your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, 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. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, take a good look at your credit. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Move Up and Out: Buying Your Dream House in Oroville, 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 feels more rewarding when you get to live in a place like Oroville. Contact Mr. Cooper as you prepare to buy a house in Oroville. 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 Customer Reviews for Oroville, CA

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

Make buying or selling a Oroville home easier.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.