The Process of Buying a Home in North Decatur, GA

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Understanding the North Decatur, GA Housing Landscape

Ready to lay down some roots and buy a house in North Decatur? Great idea! You selected an energetic city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers across the country and have the inside scoop on North Decatur's housing scene.

North Decatur is growing by the day, which means North Decatur homes don't always come cheap. Sustained cultural expansion and economic growth have helped to entice entrepreneurs, retirees, and new graduates to the North Decatur area, but so much change also means more traffic, more competition, and a need for more schools. That said, North Decatur and its neighboring areas still offer a variety of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream house! When buying a home in North Decatur, consider how near or far away the home is from the places you visit most. If possible, 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. Exploring North Decatur will also help you get a feel for how homes in east North Decatur differ from west North Decatur, what the neighborhoods are like, and where to find North Decatur's hottest attractions.

Are you financially prepared to buy a house in North Decatur? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in Georgia or somewhere else entirely. 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 North Decatur.

First, estimate how much house you can afford. This will help you set a price range while house shopping in North Decatur. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for North Decatur averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, figure out what a realistic down payment would be for you. A down payment of at least 20% can help boost your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. 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, take a good look at your credit. 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 who doesn't want more choices in life?

It's Go Time! Buy a House in North Decatur, 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 North Decatur, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in North Decatur. We're here for you every step of 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.*

Mr. Cooper Customer Reviews for North Decatur, GA

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