What to Know Before Buying a Home in Thomaston, GA

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Understanding the Thomaston, GA Housing Landscape

Thinking about buying a home in Thomaston? Awesome! You've chosen an energetic city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Thomaston housing market.

Thomaston is growing by the day, which means Thomaston homes don't always come cheap. Sustained economic growth and cultural expansion have helped to beckon young families, new businesses, and retirees to the Thomaston area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Thomaston and its neighboring areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When buying a home in Thomaston, double check that you're factoring in the home's distance from your daily activities. If you can, 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 Thomaston will also help you get a feel for how homes in east Thomaston differ from west Thomaston, what the communities are like, and where to find Thomaston's coolest attractions.

You're ready to buy a house in Thomaston, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home 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 support new and experienced homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Thomaston.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Thomaston. After that, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Searching the web for Thomaston 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.

Then, consider how much you can contribute to a down payment. Putting at least 20% down will increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, the required down payment will depend on the type of loan you get. 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, take a good look at your credit. Credit history is one of the main factors that lenders look at when considering 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?

Make Your Move: Buy a Home in Thomaston, GA

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Thomaston. Contact Mr. Cooper as you look to buy a home in Thomaston. We're here for you from start to finish 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.*

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