What to Know Before Buying a Home in Winter Haven, FL

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Get Familiar with the Lay of the Land in Winter Haven, FL

Ready to lay down some roots and buy a house in Winter Haven? Awesome! You picked 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 across the country and have the inside scoop on Winter Haven's housing scene.

Winter Haven's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Sustained support for local businesses and cultural growth have helped to entice retirees, new businesses, and young families to the Winter Haven area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Winter Haven and its nearby areas still offer an array of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your dream house! When buying a home in Winter Haven, consider how near or far away the home is from the places you visit most. If possible, test drive your route to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Exploring Winter Haven will also help you get a feel for how homes in east Winter Haven differ from west Winter Haven, what the communities are like, and where to find Winter Haven's coolest attractions.

Are your finances in the right place to buy a home in Winter Haven? 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 try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in Florida or somewhere else entirely. We help new and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Winter Haven.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Winter Haven house hunt. Then, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Winter Haven averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Now, figure out what a realistic down payment would be for you. A down payment of at least 20% can help improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. 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, take a good look at your credit. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and more options are always good!

Move Up and Out: Buying Your Dream House in Winter Haven, FL

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like Winter Haven. Contact Mr. Cooper as you look to buy a home in Winter Haven. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

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