The Process of Buying a Home in Whittier, CA

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Understanding the Whittier, CA Housing Landscape

Thinking about buying a home in Whittier? Awesome! You picked a lively city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers from coast to coast and have the inside scoop on Whittier's housing scene.

Given all of California's growth, Whittier homes aren't always easy to find at a comfortable price. Ongoing economic growth and cultural expansion have helped to attract young families, new businesses, and retirees to the Whittier area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Whittier and the surrounding areas still offer a variety of home types and prices. You can find single-family homes, condos, townhomes, and (ideally) your dream home! When buying a house in Whittier, double check that you're factoring in the home's distance from your daily 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 Whittier will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Whittier's hottest attractions.

Are your finances in the right place to buy a home in Whittier? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in California or somewhere else entirely. We work with first-time homeowners and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Whittier.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Whittier. Then, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Whittier will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, figure out what a realistic down payment would be for you. Putting at least 20% down will boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. This is where getting prequalified for a mortgage comes in handy. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, take a good look at your credit. 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 options are always a good thing!

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

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Whittier. Contact Mr. Cooper as you look to buy a home in Whittier. 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.*

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

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.