What to Know Before Buying a Home in Hampton, GA

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

Strongly considering a home purchase in Hampton? Great idea! You've chosen a lively 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 support 3.8 million customers nationwide and are familiar with the ins-and-outs of the Hampton housing market.

Given all of Georgia's growth, Hampton homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to beckon entrepreneurs, retirees, and new graduates to the Hampton area, but so much change also means more traffic, more competition, and a need for more schools. That said, Hampton and the surrounding areas still offer a wide range of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When buying a house in Hampton, 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. The location of your house will impact virtually every part of your life. Discovering different parts of Hampton will help you see how the northern part differs from the southern part, where to find Hampton's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Hampton, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. 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 serve 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 Hampton.

Before anything else, estimate how much house you can afford. This will help determine the price range for your Hampton house hunt. Next, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. Searching the web for Hampton 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.

Next, consider how much you can contribute to a down payment. Putting at least 20% down will increase 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. Here's where it can help to get prequalified for a mortgage. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, check your credit. Credit history is an important part of your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Make Your Move: Buy a Home in Hampton, 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 feels more rewarding when you get to live in a place like Hampton. Contact Mr. Cooper as you prepare to buy a house in Hampton. 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.*

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