The Process of Buying a Home in Decatur, GA

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Understanding the Decatur, GA Housing Landscape

Ready to lay down some roots and buy a house in Decatur? Awesome! You selected a vibrant city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers nationwide and are familiar with the ins-and-outs of the Decatur housing market.

Decatur'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. Ongoing cultural expansion and economic growth have helped to beckon retirees, new businesses, and young families to the Decatur area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Decatur and its nearby areas still offer an array of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When buying a house in Decatur, consider the home's location in relation to your everyday activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Exploring Decatur will also help you get a feel for how homes in east Decatur differ from west Decatur, where to find Decatur's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Decatur? 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 the journey less worrisome and more rewarding every step of the way. You don't even have to stick with your decision to buy a house in Decatur. We work with new and experienced homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Decatur.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Decatur. After that, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Decatur 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 increase your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, the required down payment will depend on the type of loan you get. 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 an important part of your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

It's Go Time! Buy a House in Decatur, 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 Decatur, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Decatur. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

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