The Process of Buying a Home in Clive, IA

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Exploring Clive, IA From North to South

Ready to lay down some roots and buy a house in Clive? Smart move! You selected a lively city with a great balance of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers nationwide and know the Clive housing market well.

Clive is growing by the day, which means Clive homes don't always come cheap. Sustained support for local businesses and cultural growth have helped to beckon young families, new businesses, and retirees to the Clive area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Clive and the surrounding areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream house! When looking to buy a house in Clive, consider how near or far away the home is from the places you visit most. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Traveling around Clive will also give you an idea of why homes in west Clive are priced differently than homes in east Clive, where to find Clive's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Clive? 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. You don't even have to stick with your decision to buy a house in Clive. We serve new and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Clive.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Clive. Then, 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 Clive 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.

Next, figure out what a realistic down payment would be for you. A down payment of at least 20% can help increase your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, the required down payment will depend on the type of loan you get. 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, consider your credit profile. Credit history is an important part of your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Clive, IA

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 Clive. Contact Mr. Cooper as you prepare to buy a house in Clive. We're here for you from start to finish 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.*

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