What to Know Before Buying a Home in Dunedin, FL

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Exploring Dunedin, FL From North to South

Thinking about buying a home in Dunedin? Congratulations! You selected a colorful city with a great balance of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers across the country and have the inside scoop on Dunedin's housing scene.

Given all of Florida's growth, Dunedin homes aren't always easy to find at a comfortable price. Continued cultural expansion and economic growth have helped to beckon young families, new businesses, and retirees to the Dunedin area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Dunedin and the surrounding areas still offer a variety of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your perfect home! When looking to buy a house in Dunedin, 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. Your home's location will influence almost every aspect of your life. Traveling around Dunedin will also give you an idea of why homes in west Dunedin are priced differently than homes in east Dunedin, where to find Dunedin's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Dunedin? 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 support new and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Dunedin.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Dunedin. Next, 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. Searching the web for Dunedin 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.

Next, consider how much you can contribute to a down payment. A down payment of at least 20% can help boost 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. 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 an important part of your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and options are always a good thing!

It's Go Time! Buy a House in Dunedin, FL

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Dunedin. Contact Mr. Cooper as you look to buy a home in Dunedin. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a high-performing real estate agent who may be able to help you save thousands.*

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