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What to Know Before Buying a Home in Sacramento, CA

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Understanding the Sacramento, CA Housing Landscape

Strongly considering a home purchase in Sacramento? Congratulations! You selected an energetic city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers nationwide and are familiar with the ins-and-outs of the Sacramento housing market.

Given all of California's growth, Sacramento homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to entice retirees, new businesses, and young families to the Sacramento area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Sacramento and its nearby areas still offer a wide range of home types and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream house! When looking to buy a house in Sacramento, consider the home's location in relation to your everyday activities. If possible, test drive your trip from the house to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Traveling around Sacramento will also give you an idea of why homes in west Sacramento are priced differently than homes in east Sacramento, where to find Sacramento's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Sacramento, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home 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 Sacramento. We support first-time homeowners 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 Sacramento.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Sacramento. After that, 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. While everyone's situation is different, an online search for Sacramento averages will usually give you some solid estimates. 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 boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and options are always a good thing!

Make Your Move: Buy a Home in Sacramento, 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 when you get to live in a stellar city like Sacramento, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Sacramento. We're here for you from start to finish 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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