What to Know Before Buying a Home in Littleton, CO

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

Ready to lay down some roots and buy a house in Littleton? Awesome! You picked a colorful city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers nationwide and are familiar with the ins-and-outs of the Littleton housing market.

Littleton'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. Continued support for local businesses and cultural growth have helped to attract entrepreneurs, retirees, and new graduates to the Littleton area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Littleton and its neighboring areas still offer a wide range of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream home! When buying a home in Littleton, 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 house's location will affect everything, from your morning routine to how you spend your evenings. Traveling around Littleton will also give you an idea of why homes in west Littleton are priced differently than homes in east Littleton, what the communities are like, and where to find Littleton's coolest attractions.

Are you financially prepared to buy a house in Littleton? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade 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 help new and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Littleton.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in Littleton. Then, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Littleton averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Now, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve your chances of getting a favorable 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 helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Lenders place a high importance on credit history when looking at your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

Move Up and Out: Buying Your Dream House in Littleton, CO

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Littleton, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Littleton. We're here for you every step of 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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