All About Buying a House in Santa Rosa, CA

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Exploring Santa Rosa, CA From North to South

Ready to lay down some roots and buy a house in Santa Rosa? Great idea! You've chosen a vibrant 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 service 3.8 million customers across the country and have the inside scoop on Santa Rosa's housing scene.

Santa Rosa is growing by the day, which means Santa Rosa homes don't always come cheap. Continued support for local businesses and cultural growth have helped to beckon entrepreneurs, retirees, and new graduates to the Santa Rosa area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Santa Rosa and the surrounding areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (ideally) your perfect home! When looking to buy a house in Santa Rosa, double check that you're factoring in the home's distance from your daily activities. 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. Exploring Santa Rosa will also help you get a feel for how homes in east Santa Rosa differ from west Santa Rosa, what the neighborhoods are like, and where to find Santa Rosa's hottest attractions.

Are you financially prepared to buy a house in Santa Rosa? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe everyone can find their dream home 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 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 Santa Rosa.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Santa Rosa. Next, add up the potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Santa Rosa 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, 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). That said, the minimum down payment requirements depend on the type of loan. This is where getting prequalified for a mortgage comes in handy. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, consider your credit profile. Credit history is an important part of your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

It's Go Time! Buy a House in Santa Rosa, 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 moving feels more rewarding when you get to live in a place like Santa Rosa. Contact Mr. Cooper as you prepare to buy a house in Santa Rosa. We're here to help you along 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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