The Process of Buying a Home in Columbus, IN

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Exploring Columbus, IN From North to South

Ready to lay down some roots and buy a house in Columbus? Congratulations! You selected a lively city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers nationwide and are familiar with the ins-and-outs of the Columbus housing market.

Columbus'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 cultural expansion and economic growth have helped to entice entrepreneurs, retirees, and new graduates to the Columbus area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Columbus and its nearby areas still offer an array of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream home! When buying a house in Columbus, 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. Exploring Columbus will also help you get a feel for how homes in east Columbus differ from west Columbus, what the neighborhoods are like, and where to find Columbus's hottest attractions.

Are you financially prepared to buy a house in Columbus? 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 Columbus. We support first-time homeowners and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Columbus.

First, estimate how much house you can afford. This will help you set a price range while house shopping in Columbus. 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. Everyone's situation will differ, but a quick online search for average expenses in Columbus will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Now, look at how much money you can put toward a down payment. A down payment of at least 20% can help improve 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. 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, consider your credit profile. Credit history is one of the main factors that lenders look at when considering your mortgage application. The better your credit is, the more mortgage options you may be presented with— and options are always a good thing!

Move Up and Out: Buying Your Dream House in Columbus, IN

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Columbus, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Columbus. We're here to help you along the way 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.*

Mr. Cooper Reviews from Real Customers in Columbus, IN

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