What to Know Before Buying a Home in Stockton, CA

Busy? Have us call you back. Call Me Back

More Information

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

Ready to lay down some roots and buy a house in Stockton? Smart move! You selected a vibrant city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers across the country and know the Stockton housing market well.

Given all of California's growth, Stockton homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to entice young families, new businesses, and retirees to the Stockton area, but so much change also means more traffic, more competition, and a need for more schools. That said, Stockton and its nearby areas still offer an array of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream home! When looking to buy a house in Stockton, 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 home's location will influence almost every aspect of your life. Discovering different parts of Stockton will help you see how the northern part differs from the southern part, where to find Stockton's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Stockton? 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 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 figure out if your finances are in the right place to buy a house in Stockton.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Stockton. Then, jot down 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 Stockton 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.

Next, figure out what a realistic down payment would be for you. A down payment of at least 20% can help boost your odds of getting a good 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, consider your credit profile. 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 options are always a good thing!

It's Go Time! Buy a House in Stockton, CA

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Stockton, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Stockton. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

Mr. Cooper Customer Reviews for Stockton, CA

Read actual reviews from actual Mr. Cooper customers in Stockton, CA. Then call us to see how we can help you.

Make buying or selling a Stockton home easier.

Work with Mr. Cooper and get the support you need to make the home buying or selling process smoother.