The Process of Buying a Home in Jacksonville, IL

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Get Familiar with the Lay of the Land in Jacksonville, IL

Thinking about buying a home in Jacksonville? Great idea! You selected a colorful 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 service 3.8 million customers nationwide and have the inside scoop on Jacksonville's housing scene.

Given all of Illinois's growth, Jacksonville homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to entice entrepreneurs, retirees, and new graduates to the Jacksonville area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Jacksonville and the surrounding areas still offer a variety of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your perfect home! When looking to buy a house in Jacksonville, double check that you're factoring in the home's distance from your daily activities. If possible, 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. Traveling around Jacksonville will also give you an idea of why homes in west Jacksonville are priced differently than homes in east Jacksonville, where to find Jacksonville's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Jacksonville? 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 don't even have to stick with your decision to buy a house in Jacksonville. We serve new and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Jacksonville.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Jacksonville. After that, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Jacksonville averages will usually give you some solid estimates. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Then, figure out what a realistic down payment would be for you. Putting at least 20% down will boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. 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, check your credit. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and more options are always good!

Make Your Move: Buy a Home in Jacksonville, IL

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 feels more rewarding when you get to live in a place like Jacksonville. Contact Mr. Cooper as you look to buy a home in Jacksonville. We're here to help you along 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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Buying or selling a house in Jacksonville? Mr. Cooper makes it easier.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.