The Process of Buying a Home in Athens, GA

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Exploring Athens, GA From North to South

Thinking about buying a home in Athens? Great idea! You've chosen a colorful city with a great balance of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers across the country and know the Athens housing market well.

Given all of Georgia's growth, Athens homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to beckon retirees, new businesses, and young families to the Athens area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Athens and its nearby areas still offer a wide range of home styles and prices. You can find single-family homes, condos, townhomes, and (ideally) your perfect home! When buying a house in Athens, 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 house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Athens will also help you get a feel for how homes in east Athens differ from west Athens, what the communities are like, and where to find Athens's coolest attractions.

Are you financially prepared to buy a house in Athens? 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 Georgia or somewhere else entirely. We support first-time homeowners 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 Athens.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Athens house hunt. After that, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. Searching the web for Athens averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Next, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can boost your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. 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, take a good look at 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?

It's Go Time! Buy a House in Athens, GA

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Athens, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Athens. 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 Reviews from Real Customers in Athens, GA

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Simplify the home buying or selling process in Athens with Mr. Cooper.

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