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What to Know Before Buying a Home in Walnut Creek, CA

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Exploring Walnut Creek, CA From North to South

Strongly considering a home purchase in Walnut Creek? Smart move! You selected a vibrant city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers nationwide and know the Walnut Creek housing market well.

Walnut Creek's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Sustained cultural expansion and economic growth have helped to attract retirees, new businesses, and young families to the Walnut Creek area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Walnut Creek and the surrounding areas still offer an array of homes in price and amenities. You can find single-family homes, condos, townhomes, and (fingers-crossed) your perfect home! When buying a house in Walnut Creek, consider the home's location in relation to your everyday activities. If possible, 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. Discovering different parts of Walnut Creek will help you see how the northern part differs from the southern part, where to find Walnut Creek's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Walnut Creek, but is your bank account? 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 experienced homeowners and first-time 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 Walnut Creek.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Walnut Creek. After that, map out your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Searching the web for Walnut Creek 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.

Now, look at how much money you can put toward a down payment. Putting at least 20% down will boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, the minimum down payment requirements depend on the type of loan. 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 healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Walnut Creek, 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 Walnut Creek. Contact Mr. Cooper as you get ready to buy a house in Walnut Creek. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even connect you with a high-performing real estate agent who may be able to help you save thousands.*

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