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

Buying a house in San Jose is easy when you ally with people who want to help. Learn about buying a home in San Jose and how Mr. Cooper can pave the way for you.

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Understanding the San Jose, CA Housing Landscape

Thinking about buying a home in San Jose? Awesome! You selected a colorful city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers across the country and have the inside scoop on San Jose's housing scene.

San Jose is growing by the day, which means San Jose homes don't always come cheap. Sustained cultural expansion and economic growth have helped to attract young families, new businesses, and retirees to the San Jose area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, San Jose and its nearby areas still offer a wide range of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your perfect home! When buying a home in San Jose, consider how near or far away the home is from the places you visit most. If you can, test drive your trip from the house to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Discovering different parts of San Jose will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find San Jose's hottest attractions.

Are you financially prepared to buy a house in San Jose? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe in keeping the dream of homeownership alive and work to make every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in California or elsewhere. We work with 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 San Jose.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in San Jose. 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 San Jose 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. A down payment of at least 20% can help increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, 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. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Credit history is one of the main factors that lenders look at when considering 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?

Make Your Move: Buy a Home in San Jose, CA

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like San Jose. Contact Mr. Cooper as you get ready to buy a house in San Jose.

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