The Process of Buying a Home in Augusta, GA

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Get Familiar with the Lay of the Land in Augusta, GA

Ready to lay down some roots and buy a house in Augusta? Awesome! You've chosen a vibrant city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers from coast to coast and have the inside scoop on Augusta's housing scene.

Given all of Georgia's growth, Augusta homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to attract retirees, new businesses, and young families to the Augusta area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Augusta and its neighboring areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream house! When looking to buy a house in Augusta, consider how near or far away the home is from the places you visit most. If you can, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Augusta will also give you an idea of why homes in west Augusta are priced differently than homes in east Augusta, what the communities are like, and where to find Augusta's coolest attractions.

Are your finances in the right place to buy a home in Augusta? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade and work to make the journey less worrisome and more rewarding every step of the way. You could choose to buy a home in Georgia or elsewhere. We support experienced homeowners and first-time homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Augusta.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in Augusta. Then, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. Searching the web for Augusta averages will usually give you a solid estimate, though everyone's situation is different. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, look at how much money you can put toward a down payment. Putting at least 20% down will boost your chances of getting a great 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. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. 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!

Make Your Move: Buy a Home in Augusta, GA

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 when you get to live in a stellar city like Augusta, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Augusta. 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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