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

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Exploring St. Simons, GA From North to South

Strongly considering a home purchase in St. Simons? Awesome! You selected a lively city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers nationwide and know the St. Simons housing market well.

St. Simons's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Continued cultural expansion and economic growth have helped to beckon entrepreneurs, retirees, and new graduates to the St. Simons area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, St. Simons 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 looking to buy a house in St. Simons, consider how near or far away the home is from the places you visit most. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Traveling around St. Simons will also give you an idea of why homes in west St. Simons are priced differently than homes in east St. Simons, what the neighborhoods are like, and where to find St. Simons's hottest attractions.

Are your finances in the right place to buy a home in St. Simons? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We think the dream of homeownership should never fade and work to make every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in Georgia or elsewhere. We serve new and experienced homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in St. Simons.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in St. Simons. Next, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. While everyone's situation is different, an online search for St. Simons 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 increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, 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 will give you an idea of how much you might qualify to borrow. Also, take a good look at your credit. 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 who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in St. Simons, GA

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like St. Simons. Contact Mr. Cooper as you prepare to buy a house in St. Simons. 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.*

Mr. Cooper Customer Reviews for St. Simons, GA

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

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