The Process of Buying a Home in Brandon, FL

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Get Familiar with the Lay of the Land in Brandon, FL

Thinking about buying a home in Brandon? Smart move! You've chosen a vibrant city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers nationwide and know the Brandon housing market well.

Brandon'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. Sustained economic growth and cultural expansion have helped to beckon entrepreneurs, retirees, and new graduates to the Brandon area, but so much change also means a strain on housing options, school capacities, and city roads. Even so, Brandon and the surrounding areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When looking to buy a house in Brandon, 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. Traveling around Brandon will also give you an idea of why homes in west Brandon are priced differently than homes in east Brandon, what the neighborhoods are like, and where to find Brandon's hottest attractions.

Are your finances in the right place to buy a home in Brandon? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and work to make every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in Florida or somewhere else entirely. We help first-time homeowners and experienced homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Brandon.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in Brandon. After that, add up the potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Brandon will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Next, consider how much you can contribute to a down payment. 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 minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, consider your credit profile. 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 who doesn't want more choices in life?

Make Your Move: Buy a Home in Brandon, FL

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