The Process of Buying a Home in Santa Maria, CA

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Exploring Santa Maria, CA From North to South

Strongly considering a home purchase in Santa Maria? Congratulations! 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 know the Santa Maria housing market well.

Santa Maria is growing by the day, which means Santa Maria homes don't always come cheap. Sustained support for local businesses and cultural growth have helped to entice young families, new businesses, and retirees to the Santa Maria area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Santa Maria and its neighboring areas still offer a wide range of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your perfect home! When looking to buy a house in Santa Maria, 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. Your home's location will influence almost every aspect of your life. Exploring Santa Maria will also help you get a feel for how homes in east Santa Maria differ from west Santa Maria, what the communities are like, and where to find Santa Maria's coolest attractions.

You're ready to buy a house in Santa Maria, 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 Santa Maria. We support new and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Santa Maria.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Santa Maria house hunt. Then, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Searching the web for Santa Maria averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Now, figure out what a realistic down payment would be for you. A down payment of at least 20% can help improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. 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, check your credit. 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!

It's Go Time! Buy a House in Santa Maria, 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 Santa Maria, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Santa Maria. We're here for you every step of the way 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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