All About Buying a House in Golden, CO

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

Ready to lay down some roots and buy a house in Golden? Congratulations! You selected an energetic city with a great balance of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers nationwide and know the Golden housing market well.

Given all of Colorado's growth, Golden homes aren't always easy to find at a comfortable price. Sustained economic growth and cultural expansion have helped to attract young families, new businesses, and retirees to the Golden area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Golden and its nearby areas still offer an array of homes in price and amenities. You can find single-family homes, condos, townhomes, and (ideally) your dream house! When buying a house in Golden, 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. The location of your house will impact virtually every part of your life. Discovering different parts of Golden will help you see how the northern part differs from the southern part, where to find Golden's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Golden? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. 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 Colorado or elsewhere. We serve experienced homeowners and first-time homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Golden.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Golden. After that, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Golden will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Now, consider how much you can contribute to a down payment. Putting at least 20% down will improve your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, the required down payment will depend on the type of loan you get. 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, 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!

Make Your Move: Buy a Home in Golden, 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 when you get to live in a stellar city like Golden, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Golden. We're here for you every step of the way and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

Mr. Cooper Reviews from Real Customers in Golden, CO

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

Buying or selling a house in Golden? 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.