What to Know Before Buying a Home in LaGrange, GA

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

Ready to lay down some roots and buy a house in LaGrange? Great idea! You selected a vibrant city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers across the country and know the LaGrange housing market well.

Given all of Georgia's growth, LaGrange homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to attract entrepreneurs, retirees, and new graduates to the LaGrange area, but so much change also means more traffic, more competition, and a need for more schools. That said, LaGrange and the surrounding areas still offer an array of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your perfect home! When buying a house in LaGrange, double check that you're factoring in the home's distance from your daily activities. If you can, 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. Discovering different parts of LaGrange will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find LaGrange's hottest attractions.

Are your finances in the right place to buy a home in LaGrange? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade 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 work with new and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in LaGrange.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in LaGrange. Next, add up the 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 LaGrange 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.

Then, figure out what a realistic down payment would be for you. Putting at least 20% down will boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check your credit. Lenders place a high importance on credit history when looking at your mortgage application. The better your credit is, the more mortgage options you may be presented with— and more options are always good!

Move Up and Out: Buying Your Dream House in LaGrange, 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 LaGrange, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in LaGrange. 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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