The Process of Buying a Home in South Whittier, CA

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Get Familiar with the Lay of the Land in South Whittier, CA

Strongly considering a home purchase in South Whittier? Great idea! You picked a vibrant city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers from coast to coast and have the inside scoop on South Whittier's housing scene.

South Whittier is growing by the day, which means South Whittier homes don't always come cheap. Continued support for local businesses and cultural growth have helped to entice entrepreneurs, retirees, and new graduates to the South Whittier area, but so much change also means a strain on housing options, school capacities, and city roads. That said, South Whittier and the surrounding areas still offer a wide range of home types and prices. You can find single-family homes, condos, townhomes, and (ideally) your perfect home! When buying a house in South Whittier, consider the home's location in relation to your everyday activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your home's location will influence almost every aspect of your life. Discovering different parts of South Whittier will help you see how the northern part differs from the southern part, where to find South Whittier's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in South Whittier? 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 South Whittier. We help first-time homeowners 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 South Whittier.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in South Whittier. Next, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. Searching the web for South Whittier averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, consider how much you can contribute to a down payment. 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). That said, the required down payment will depend on the type of loan you get. 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, take a good look at your credit. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and more options are always good!

Move Up and Out: Buying Your Dream House in South Whittier, CA

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like South Whittier. Contact Mr. Cooper as you get ready to buy a house in South Whittier. 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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