The Process of Buying a Home in Canton, GA

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Understanding the Canton, GA Housing Landscape

Thinking about buying a home in Canton? Congratulations! You've chosen a colorful city with an ideal amount 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 from coast to coast and have the inside scoop on Canton's housing scene.

Given all of Georgia's growth, Canton homes aren't always easy to find at a comfortable price. Continued cultural expansion and economic growth have helped to attract retirees, new businesses, and young families to the Canton area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Canton and the surrounding areas still offer a wide range of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When buying a house in Canton, consider how near or far away the home is from the places you visit most. If you can, test drive your trip from the house to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Discovering different parts of Canton will help you see how the northern part differs from the southern part, where to find Canton's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Canton, but is your bank account? 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 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 work with 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 Canton.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Canton. After that, 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. Searching the web for Canton averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Now, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve your odds of getting a good 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 will give you an idea of how much you might qualify to borrow. Also, consider your credit profile. 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 Canton, 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 moving can also be incredibly rewarding, especially when you get to live in an amazing city like Canton. Contact Mr. Cooper as you look to buy a home in Canton. 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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