What to Know Before Buying a Home in Clermont, FL

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

Ready to lay down some roots and buy a house in Clermont? Smart move! You picked a colorful 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 support 3.8 million customers from coast to coast and have the inside scoop on Clermont's housing scene.

Given all of Florida's growth, Clermont homes aren't always easy to find at a comfortable price. Sustained economic growth and cultural expansion have helped to beckon entrepreneurs, retirees, and new graduates to the Clermont area, but so much change also means a strain on housing options, school capacities, and city roads. Even so, Clermont and its neighboring areas still offer an array of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your dream house! When buying a home in Clermont, consider how near or far away the home is from the places you visit most. If you can, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Exploring Clermont will also help you get a feel for how homes in east Clermont differ from west Clermont, where to find Clermont's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Clermont? 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 don't even have to stick with your decision to buy a house in Clermont. We work with experienced homeowners and first-time homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Clermont.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Clermont. After that, add up the 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 Clermont averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can improve your odds of getting a good 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. This is where getting prequalified for a mortgage comes in handy. 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 healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

It's Go Time! Buy a House in Clermont, 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 can also be incredibly rewarding, especially when you get to live in an amazing city like Clermont. Contact Mr. Cooper as you get ready to buy a house in Clermont. 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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