The Process of Buying a Home in Cheshire, CT

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Exploring Cheshire, CT From North to South

Ready to lay down some roots and buy a house in Cheshire? Awesome! You selected a lively city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Cheshire housing market.

Given all of Connecticut's growth, Cheshire homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to attract entrepreneurs, retirees, and new graduates to the Cheshire area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Cheshire and its neighboring areas still offer an array of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your perfect home! When buying a house in Cheshire, consider how near or far away the home is from the places you visit most. If possible, 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 Cheshire will also help you get a feel for how homes in east Cheshire differ from west Cheshire, what the neighborhoods are like, and where to find Cheshire's hottest attractions.

Are you financially prepared to buy a house in Cheshire? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. You could choose to buy a home in Connecticut or elsewhere. We work with experienced homeowners and first-time homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Cheshire.

First, estimate how much house you can afford. This will help determine the price range for your Cheshire house hunt. Then, map out your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, 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 Cheshire 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.

Then, look at how much money you can put toward a down payment. Placing a minimum of 20% down can boost your chances of getting a great 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. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, take a good look at your credit. Credit history is one of the main factors that lenders look at when considering 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?

Move Up and Out: Buying Your Dream House in Cheshire, CT

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 Cheshire. Contact Mr. Cooper as you look to buy a home in Cheshire. 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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