The Process of Buying a Home in St. Marys, GA

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Exploring St. Marys, GA From North to South

Strongly considering a home purchase in St. Marys? Great idea! You've chosen an energetic city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the St. Marys housing market.

Given all of Georgia's growth, St. Marys homes aren't always easy to find at a comfortable price. Ongoing cultural expansion and economic growth have helped to attract entrepreneurs, retirees, and new graduates to the St. Marys area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, St. Marys and its neighboring areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream home! When buying a house in St. Marys, consider how near or far away the home is from the places you visit most. 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. Exploring St. Marys will also help you get a feel for how homes in east St. Marys differ from west St. Marys, where to find St. Marys's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in St. Marys? 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 try our best to make the journey easier and more rewarding. You could choose to buy a home in Georgia or elsewhere. We support first-time homeowners and experienced homeowners alike. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in St. Marys.

First, estimate how much house you can afford. This will help you set a price range while house shopping in St. Marys. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Searching the web for St. Marys averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Next, consider how much you can contribute to a down payment. Putting at least 20% down will boost 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. Here's where it can help to get prequalified for a mortgage. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, consider your credit profile. Credit history is one of the main factors that lenders look at when considering your mortgage application. The better your credit is, the more mortgage options you may be presented with— and more options are always good!

Make Your Move: Buy a Home in St. Marys, 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 can also be incredibly rewarding, especially when you get to live in an amazing city like St. Marys. Contact Mr. Cooper as you prepare to buy a house in St. Marys. We're here to help you along 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.*

St. Marys, GA Mr. Cooper Customer Reviews

Read real stories from real Mr. Cooper home buyers and sellers in St. Marys, GA. Then contact us to see what we can do for you.

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