What to Know Before Buying a Home in Navarre, FL

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Understanding the Navarre, FL Housing Landscape

Thinking about buying a home in Navarre? Smart move! You selected an energetic city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers across the country and are familiar with the ins-and-outs of the Navarre housing market.

Given all of Florida's growth, Navarre homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to beckon entrepreneurs, retirees, and new graduates to the Navarre area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Navarre and the surrounding areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When looking to buy a house in Navarre, consider the home's location in relation to your everyday activities. If possible, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Navarre will also give you an idea of why homes in west Navarre are priced differently than homes in east Navarre, what the neighborhoods are like, and where to find Navarre's hottest attractions.

Are your finances in the right place to buy a home in Navarre? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive 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. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in Navarre.

First, estimate how much house you can afford. This will help determine the price range for your Navarre house hunt. Then, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Navarre 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, figure out what a realistic down payment would be for you. 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). However, the required down payment will depend on the type of loan you get. This is where getting prequalified for a mortgage comes in handy. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, consider your credit profile. 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 more options are always good!

It's Go Time! Buy a House in Navarre, 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 Navarre. Contact Mr. Cooper as you get ready to buy a house in Navarre. We're here for you from start to finish 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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