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The Process of Buying a Home in Lewiston, ID

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Understanding the Lewiston, ID Housing Landscape

Strongly considering a home purchase in Lewiston? Great idea! You selected an energetic city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers nationwide and know the Lewiston housing market well.

Given all of Idaho's growth, Lewiston homes aren't always easy to find at a comfortable price. Ongoing economic growth and cultural expansion have helped to attract retirees, new businesses, and young families to the Lewiston area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Lewiston and the surrounding areas still offer a variety of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream house! When looking to buy a house in Lewiston, 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 home's location will influence almost every aspect of your life. Exploring Lewiston will also help you get a feel for how homes in east Lewiston differ from west Lewiston, what the communities are like, and where to find Lewiston's coolest attractions.

Are you financially prepared to buy a house in Lewiston? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in Idaho or somewhere else entirely. We serve experienced homeowners and first-time homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Lewiston.

First, calculate how much house you can afford. This will help determine the price range for your Lewiston house hunt. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). You don't need an exact amount for these expenses. Searching the web for Lewiston averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Next, figure out what a realistic down payment would be for you. A down payment of at least 20% can help boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. 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, take a good look at your credit. Credit history is an important part of 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 Lewiston, ID

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Lewiston. Contact Mr. Cooper as you look to buy a home in Lewiston. We're here for you every step of the way and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

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