The Process of Buying a Home in Cocoa, FL

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Understanding the Cocoa, FL Housing Landscape

Thinking about buying a home in Cocoa? Congratulations! You've chosen a colorful city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers nationwide and are familiar with the ins-and-outs of the Cocoa housing market.

Cocoa is growing by the day, which means Cocoa homes don't always come cheap. Continued support for local businesses and cultural growth have helped to beckon retirees, new businesses, and young families to the Cocoa area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Cocoa and its neighboring areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream home! When buying a house in Cocoa, double check that you're factoring in the home's distance from your daily activities. If possible, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Exploring Cocoa will also help you get a feel for how homes in east Cocoa differ from west Cocoa, where to find Cocoa's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Cocoa? 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 every stage of the journey more enjoyable and less worrisome. You don't even have to stick with your decision to buy a house in Cocoa. We serve new and experienced 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 Cocoa.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Cocoa. After that, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Searching the web for Cocoa 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.

Then, look at how much money you can put toward a down payment. Placing a minimum of 20% down can increase your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, 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, check your credit. Credit history is an important part of your mortgage application. The better your credit is, the more mortgage options you may be presented with— and options are always a good thing!

Make Your Move: Buy a Home in Cocoa, 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 Cocoa. Contact Mr. Cooper as you get ready to buy a house in Cocoa. 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.*

Mr. Cooper Customer Reviews for Cocoa, FL

Take it from these Mr. Cooper home buyers and sellers in Cocoa, FL: We love helping homeowners. Call now to see how we can serve you.

Make buying or selling a Cocoa home easier.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.