All About Buying a House in Petaluma, CA

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Exploring Petaluma, CA From North to South

Thinking about buying a home in Petaluma? Smart move! You picked a colorful city with a dynamic selection 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 are familiar with the ins-and-outs of the Petaluma housing market.

Petaluma is growing by the day, which means Petaluma homes don't always come cheap. Continued economic growth and cultural expansion have helped to attract entrepreneurs, retirees, and new graduates to the Petaluma area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Petaluma and its nearby areas still offer a wide range of home styles and prices. You can find single-family homes, condos, townhomes, and (ideally) your dream home! When looking to buy a house in Petaluma, 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. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Petaluma will also help you get a feel for how homes in east Petaluma differ from west Petaluma, where to find Petaluma's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Petaluma? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. 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 new and experienced homeowners alike. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in Petaluma.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Petaluma. Then, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). You don't need an exact amount for these expenses. Searching the web for Petaluma 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.

Next, consider how much you can contribute to a down payment. Putting at least 20% down will boost your chances of getting a great 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. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, consider your credit profile. Credit history is an important part of 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?

Make Your Move: Buy a Home in Petaluma, 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 Petaluma. Contact Mr. Cooper as you look to buy a home in Petaluma. We're here for you from start to finish 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.*

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