The Process of Buying a Home in Porterville, CA

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Get Familiar with the Lay of the Land in Porterville, CA

Strongly considering a home purchase in Porterville? Smart move! You selected a colorful 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 across the country and are familiar with the ins-and-outs of the Porterville housing market.

Given all of California's growth, Porterville homes aren't always easy to find at a comfortable price. Sustained economic growth and cultural expansion have helped to attract retirees, new businesses, and young families to the Porterville area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Porterville and its neighboring areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream house! When buying a home in Porterville, consider how near or far away the home is from the places you visit most. If you can, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Porterville will also give you an idea of why homes in west Porterville are priced differently than homes in east Porterville, what the communities are like, and where to find Porterville's coolest attractions.

You're ready to buy a house in Porterville, but is your bank account? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe everyone can find their dream home and work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in California or somewhere else entirely. We work with first-time homeowners and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Porterville.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in Porterville. Then, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Porterville 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.

Now, consider how much you can contribute to a down payment. Putting at least 20% down will improve 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. Credit history is an important part of your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

Make Your Move: Buy a Home in Porterville, 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 Porterville. Contact Mr. Cooper as you prepare to buy a house in Porterville. 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 Reviews from Real Customers in Porterville, CA

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

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