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All About Buying a House in Palm Desert, CA

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Get Familiar with the Lay of the Land in Palm Desert, CA

Ready to lay down some roots and buy a house in Palm Desert? Great idea! You've chosen an energetic city with an ideal amount 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 across the country and are familiar with the ins-and-outs of the Palm Desert housing market.

Palm Desert is growing by the day, which means Palm Desert homes don't always come cheap. Sustained support for local businesses and cultural growth have helped to beckon retirees, new businesses, and young families to the Palm Desert area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Palm Desert and its nearby areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When buying a home in Palm Desert, consider the home's location in relation to your everyday 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. Traveling around Palm Desert will also give you an idea of why homes in west Palm Desert are priced differently than homes in east Palm Desert, what the neighborhoods are like, and where to find Palm Desert's hottest attractions.

Are your finances in the right place to buy a home in Palm Desert? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home 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 support first-time homeowners and experienced homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Palm Desert.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Palm Desert. Then, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Palm Desert averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, 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 one of the main factors that lenders look at when considering your mortgage application. The better your credit is, the more mortgage options you may be presented with— and who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Palm Desert, CA

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like Palm Desert. Contact Mr. Cooper as you look to buy a home in Palm Desert. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even connect you with a high-performing real estate agent who may be able to help you save thousands.*

Palm Desert, CA Mr. Cooper Customer Reviews

Take it from these Mr. Cooper home buyers and sellers in Palm Desert, CA: We love helping homeowners. Call now to see how we can serve you.

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