All About Buying a House in Sterling, CO

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

Ready to lay down some roots and buy a house in Sterling? Great idea! You picked a vibrant city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers from coast to coast and have the inside scoop on Sterling's housing scene.

Sterling is growing by the day, which means Sterling homes don't always come cheap. Sustained support for local businesses and cultural growth have helped to entice retirees, new businesses, and young families to the Sterling area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Sterling and its neighboring areas still offer a wide range of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your perfect home! When buying a house in Sterling, consider how near or far away the home is from the places you visit most. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Exploring Sterling will also help you get a feel for how homes in east Sterling differ from west Sterling, what the communities are like, and where to find Sterling's coolest attractions.

You're ready to buy a house in Sterling, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home and try our best to make the journey easier and more rewarding. You could choose to buy a home in Colorado or elsewhere. We serve first-time homeowners and experienced homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Sterling.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Sterling. After that, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. Searching the web for Sterling averages will usually give you a solid estimate, though everyone's situation is different. 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 odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, 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. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check your credit. Credit history is one of the main factors that lenders look at when considering 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 Sterling, 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 Sterling. Contact Mr. Cooper as you look to buy a home in Sterling. We're here to help you along 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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