The Process of Buying a Home in Placentia, CA

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Understanding the Placentia, CA Housing Landscape

Strongly considering a home purchase in Placentia? Smart move! You picked a vibrant 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 serve 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Placentia housing market.

Given all of California's growth, Placentia homes aren't always easy to find at a comfortable price. Sustained support for local businesses and cultural growth have helped to entice entrepreneurs, retirees, and new graduates to the Placentia area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Placentia and the surrounding areas still offer a variety of home types and prices. You can find single-family homes, condos, townhomes, and (ideally) your dream house! When buying a home in Placentia, consider how near or far away the home is from the places you visit most. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Traveling around Placentia will also give you an idea of why homes in west Placentia are priced differently than homes in east Placentia, what the communities are like, and where to find Placentia's coolest attractions.

You're ready to buy a house in Placentia, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. You could choose to buy a home in California or elsewhere. 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 Placentia.

Before anything else, estimate how much house you can afford. This will help determine the price range for your Placentia house hunt. After that, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Searching the web for Placentia 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.

Then, figure out what a realistic down payment would be for you. Putting at least 20% down will improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. 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, check your credit. 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 more options are always good!

Make Your Move: Buy a Home in Placentia, 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 Placentia. Contact Mr. Cooper as you get ready to buy a house in Placentia. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

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