The Process of Buying a Home in Harlan, IN

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Understanding the Harlan, IN Housing Landscape

Strongly considering a home purchase in Harlan? Congratulations! You picked a colorful city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers from coast to coast and have the inside scoop on Harlan's housing scene.

Harlan is growing by the day, which means Harlan homes don't always come cheap. Ongoing economic growth and cultural expansion have helped to attract entrepreneurs, retirees, and new graduates to the Harlan area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Harlan and the surrounding areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream house! When buying a home in Harlan, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Harlan will also give you an idea of why homes in west Harlan are priced differently than homes in east Harlan, where to find Harlan's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Harlan? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade and work to make every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in Indiana or somewhere else entirely. We serve new and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Harlan.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Harlan house hunt. After that, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. Searching the web for Harlan 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, look at how much money you can put toward a down payment. A down payment of at least 20% can help improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, the required down payment will depend on the type of loan you get. This is where getting prequalified for a mortgage comes in handy. 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. Lenders place a high importance on credit history when looking at your mortgage application. The better your credit is, the more mortgage options you may be presented with— and more options are always good!

It's Go Time! Buy a House in Harlan, 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 Harlan, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Harlan. We're here for you every step of 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.*

Mr. Cooper Reviews from Real Customers in Harlan, IN

Read real stories from real Mr. Cooper home buyers and sellers in Harlan, IN. Then contact us to see what we can do for you.

Buying or selling a house in Harlan? 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.