What to Know Before Buying a Home in Macon, GA

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

Thinking about buying a home in Macon? Smart move! You've chosen an energetic city with a great balance of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers across the country and have the inside scoop on Macon's housing scene.

Macon is growing by the day, which means Macon homes don't always come cheap. Ongoing economic growth and cultural expansion have helped to beckon retirees, new businesses, and young families to the Macon area, but so much change also means more traffic, more competition, and a need for more schools. That said, Macon and its nearby areas still offer a variety of home types and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When buying a house in Macon, consider how near or far away the home is from the places you visit most. If possible, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Discovering different parts of Macon will help you see how the northern part differs from the southern part, what the communities are like, and where to find Macon's coolest attractions.

You're ready to buy a house in Macon, 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 think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. You could choose to buy a home in Georgia or elsewhere. We help experienced homeowners and first-time homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Macon.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Macon. Then, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Macon will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, look at how much money you can put toward a down payment. A down payment of at least 20% can help improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, the minimum down payment requirements depend on the type of loan. 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, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

Make Your Move: Buy a Home in Macon, GA

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Macon, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Macon. 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.*

Mr. Cooper Customer Reviews for Macon, GA

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