What to Know Before Buying a Home in San Bruno, CA

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Understanding the San Bruno, CA Housing Landscape

Ready to lay down some roots and buy a house in San Bruno? Congratulations! You selected a lively city with a great balance 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 nationwide and know the San Bruno housing market well.

San Bruno is growing by the day, which means San Bruno homes don't always come cheap. Ongoing economic growth and cultural expansion have helped to attract young families, new businesses, and retirees to the San Bruno area, but so much change also means more traffic, more competition, and a need for more schools. Even so, San Bruno and the surrounding areas still offer an array of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When buying a home in San Bruno, 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. The location of your house will impact virtually every part of your life. Exploring San Bruno will also help you get a feel for how homes in east San Bruno differ from west San Bruno, what the neighborhoods are like, and where to find San Bruno's hottest attractions.

Are your finances in the right place to buy a home in San Bruno? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade and work to make every stage of the journey more enjoyable and less worrisome. You don't even have to stick with your decision to buy a house in San Bruno. We serve experienced homeowners and first-time homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in San Bruno.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in San Bruno. Then, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for San Bruno 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.

Now, consider how much you can contribute to a down payment. Placing a minimum of 20% down can boost your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). However, 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. 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 options are always a good thing!

It's Go Time! Buy a House in San Bruno, 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 San Bruno, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in San Bruno. We're here to help you along 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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Buying or selling a house in San Bruno? Mr. Cooper makes it easier.

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