The Process of Buying a Home in Boulder, CO

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Get Familiar with the Lay of the Land in Boulder, CO

Ready to lay down some roots and buy a house in Boulder? Smart move! You selected a lively city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers nationwide and have the inside scoop on Boulder's housing scene.

Boulder is growing by the day, which means Boulder homes don't always come cheap. Sustained cultural expansion and economic growth have helped to attract retirees, new businesses, and young families to the Boulder area, but so much change also means more traffic, more competition, and a need for more schools. That said, Boulder and its neighboring areas still offer a wide range of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream house! When looking to buy a house in Boulder, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your route to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Discovering different parts of Boulder will help you see how the northern part differs from the southern part, where to find Boulder's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Boulder? 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 the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in Colorado or somewhere else entirely. We support experienced homeowners and first-time homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Boulder.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Boulder. Then, 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. Everyone's situation will differ, but a quick online search for average expenses in Boulder will usually point you in the right direction. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Now, figure out what a realistic down payment would be for you. 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, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Credit history is an important part of your mortgage application. You may be presented with more mortgage options if you have healthy credit— and who doesn't want more choices in life?

It's Go Time! Buy a House in Boulder, CO

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 feels more rewarding when you get to live in a place like Boulder. Contact Mr. Cooper as you prepare to buy a house in Boulder. 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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