All About Buying a House in Taft, CA

Busy? Have us call you back. Call Me Back

More Information

Understanding the Taft, CA Housing Landscape

Ready to lay down some roots and buy a house in Taft? Awesome! You've chosen a vibrant city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers nationwide and have the inside scoop on Taft's housing scene.

Given all of California's growth, Taft homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to attract retirees, new businesses, and young families to the Taft area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Taft and the surrounding areas still offer a wide range of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream house! When buying a home in Taft, consider the home's location in relation to your everyday activities. If you can, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Taft will also give you an idea of why homes in west Taft are priced differently than homes in east Taft, what the neighborhoods are like, and where to find Taft's hottest attractions.

Are you financially prepared to buy a house in Taft? 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 help experienced homeowners and first-time homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Taft.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Taft. After that, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Searching the web for Taft 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 improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, 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, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. The better your credit is, the more mortgage options you may be presented with— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Taft, CA

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Taft. Contact Mr. Cooper as you prepare to buy a house in Taft. 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.*

Mr. Cooper Customer Reviews for Taft, CA

Read real stories from real Mr. Cooper home buyers and sellers in Taft, CA. Then contact us to see what we can do for you.

Buying or selling a house in Taft? Mr. Cooper makes it easier.

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