What to Know Before Buying a Home in Waycross, GA

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Exploring Waycross, GA From North to South

Thinking about buying a home in Waycross? Congratulations! You've chosen an energetic city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers from coast to coast and know the Waycross housing market well.

Waycross is growing by the day, which means Waycross homes don't always come cheap. Sustained economic growth and cultural expansion have helped to entice young families, new businesses, and retirees to the Waycross area, but so much change also means more traffic, more competition, and a need for more schools. That said, Waycross and its nearby areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your perfect home! When buying a home in Waycross, consider the home's location in relation to your everyday activities. If you can, 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 Waycross will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Waycross's hottest attractions.

Are your finances in the right place to buy a home in Waycross? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. 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 serve experienced homeowners and first-time 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 Waycross.

First, estimate how much house you can afford. This will help you set a price range while house shopping in Waycross. Then, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. Searching the web for Waycross averages will usually give you a solid estimate, though everyone's situation is different. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check 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 options are always a good thing!

Move Up and Out: Buying Your Dream House in Waycross, 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 Waycross, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Waycross. 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.*

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