The Process of Buying a Home in Pueblo, CO

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Understanding the Pueblo, CO Housing Landscape

Ready to lay down some roots and buy a house in Pueblo? Awesome! You picked a colorful city with a great balance of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers across the country and have the inside scoop on Pueblo's housing scene.

Pueblo is growing by the day, which means Pueblo homes don't always come cheap. Sustained cultural expansion and economic growth have helped to beckon young families, new businesses, and retirees to the Pueblo area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Pueblo and its nearby areas still offer a variety of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream home! When looking to buy a house in Pueblo, double check that you're factoring in the home's distance from your daily activities. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Pueblo will also help you get a feel for how homes in east Pueblo differ from west Pueblo, where to find Pueblo's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Pueblo? 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 serve experienced homeowners and first-time homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Pueblo.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Pueblo. After that, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Pueblo 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.

Then, look at how much money you can put toward a down payment. Putting at least 20% down will increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, the required down payment will depend on the type of loan you get. Here's where it can help to get prequalified for a mortgage. 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. 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 Pueblo, CO

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Pueblo. Contact Mr. Cooper as you prepare to buy a house in Pueblo. 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.*

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