What to Know Before Buying a Home in Pittsfield, IL

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Exploring Pittsfield, IL From North to South

Thinking about buying a home in Pittsfield? Smart move! You selected a colorful city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers across the country and have the inside scoop on Pittsfield's housing scene.

Pittsfield'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. Sustained support for local businesses and cultural growth have helped to beckon retirees, new businesses, and young families to the Pittsfield area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Pittsfield and its neighboring areas still offer an array of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream house! When buying a house in Pittsfield, 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. Your house's location will affect everything, from your morning routine to how you spend your evenings. Traveling around Pittsfield will also give you an idea of why homes in west Pittsfield are priced differently than homes in east Pittsfield, what the communities are like, and where to find Pittsfield's coolest attractions.

Are your finances in the right place to buy a home in Pittsfield? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in Illinois or somewhere else entirely. We help new and experienced homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Pittsfield.

First, estimate how much house you can afford. This will help determine the price range for your Pittsfield house hunt. After that, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Pittsfield 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, look at how much money you can put toward a down payment. Putting at least 20% down will improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, the minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. Prequalification points you in the right direction as far as how much you may be eligible to borrow. 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 who doesn't want more choices in life?

Make Your Move: Buy a Home in Pittsfield, IL

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 Pittsfield. Contact Mr. Cooper as you look to buy a home in Pittsfield. We're here to help you along the way 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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