The Process of Buying a Home in Shafter, CA

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Get Familiar with the Lay of the Land in Shafter, CA

Ready to lay down some roots and buy a house in Shafter? Great idea! You selected an energetic 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 from coast to coast and know the Shafter housing market well.

Shafter is growing by the day, which means Shafter 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 Shafter area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Shafter and the surrounding areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your perfect home! When buying a house in Shafter, consider how near or far away the home is from the places you visit most. If possible, 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. Traveling around Shafter will also give you an idea of why homes in west Shafter are priced differently than homes in east Shafter, what the neighborhoods are like, and where to find Shafter's hottest attractions.

You're ready to buy a house in Shafter, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. 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 support first-time homeowners and experienced homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Shafter.

Before anything else, estimate how much house you can afford. This will help determine the price range for your Shafter house hunt. Next, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Searching the web for Shafter averages will usually give you a solid estimate, though everyone's situation is different. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can boost your chances of getting a favorable 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. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, take a good look at your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. The better your credit is, the more mortgage options you may be presented with— and options are always a good thing!

Move Up and Out: Buying Your Dream House in Shafter, 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 Shafter. Contact Mr. Cooper as you prepare to buy a house in Shafter. 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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