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What to Know Before Buying a Home in Roseville, CA

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

Ready to lay down some roots and buy a house in Roseville? Congratulations! You've chosen a vibrant city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers across the country and know the Roseville housing market well.

Roseville is growing by the day, which means Roseville homes don't always come cheap. Sustained economic growth and cultural expansion have helped to beckon young families, new businesses, and retirees to the Roseville area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Roseville and the surrounding areas still offer a wide range of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When buying a home in Roseville, consider how near or far away the home is from the places you visit most. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Discovering different parts of Roseville will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Roseville's hottest attractions.

Are you financially prepared to buy a house in Roseville? 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. You don't even have to stick with your decision to buy a house in Roseville. We serve new and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Roseville.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Roseville. After that, map out your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). You don't need an exact amount for these expenses. Everyone's situation will differ, but a quick online search for average expenses in Roseville will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, look at how much money you can put toward a down payment. A down payment of at least 20% can help improve your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, 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. Credit history is an important part of your mortgage application. You may be presented with more mortgage options if you have healthy credit— and who doesn't want more choices in life?

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

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Roseville, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Roseville. We're here for you every step of 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.*

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