All About Buying a House in St. Augustine, FL

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Get Familiar with the Lay of the Land in St. Augustine, FL

Thinking about buying a home in St. Augustine? Great idea! You picked a colorful city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers nationwide and know the St. Augustine housing market well.

Given all of Florida's growth, St. Augustine homes aren't always easy to find at a comfortable price. Continued cultural expansion and economic growth have helped to attract young families, new businesses, and retirees to the St. Augustine area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, St. Augustine and its nearby areas still offer an array of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream house! When buying a home in St. Augustine, 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. Your house's location will affect everything, from your morning routine to how you spend your evenings. Discovering different parts of St. Augustine will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find St. Augustine's hottest attractions.

Are you financially prepared to buy a house in St. Augustine? 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 try our best to make the journey easier and more rewarding. You could choose to buy a home in Florida or elsewhere. We support first-time homeowners 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 St. Augustine.

First, calculate how much house you can afford. This will help determine the price range for your St. Augustine house hunt. Then, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in St. Augustine 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.

Now, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can improve your chances of getting a favorable 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. Here's where it can help to get prequalified for a mortgage. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. You may be presented with more mortgage options if you have healthy credit— and who doesn't want more choices in life?

Make Your Move: Buy a Home in St. Augustine, FL

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like St. Augustine, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in St. Augustine. 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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