The Process of Buying a Home in Johnston, IA

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Get Familiar with the Lay of the Land in Johnston, IA

Ready to lay down some roots and buy a house in Johnston? Congratulations! You picked a lively city with a great balance of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers nationwide and know the Johnston housing market well.

Johnston is growing by the day, which means Johnston homes don't always come cheap. Continued cultural expansion and economic growth have helped to attract entrepreneurs, retirees, and new graduates to the Johnston area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Johnston and the surrounding areas still offer an array of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream house! When buying a house in Johnston, double check that you're factoring in the home's distance from your daily activities. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your home's location will influence almost every aspect of your life. Exploring Johnston will also help you get a feel for how homes in east Johnston differ from west Johnston, where to find Johnston's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Johnston? 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 Johnston. We help experienced homeowners and first-time homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Johnston.

First, calculate how much house you can afford. This will help determine the price range for your Johnston house hunt. Next, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, 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 Johnston will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Next, 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). However, the required down payment will depend on the type of loan you get. 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, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. You may be presented with more mortgage options if you have healthy credit— and more options are always good!

Move Up and Out: Buying Your Dream House in Johnston, IA

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Johnston. Contact Mr. Cooper as you prepare to buy a house in Johnston. 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.*

Mr. Cooper Reviews from Real Customers in Johnston, IA

Take it from these Mr. Cooper home buyers and sellers in Johnston, IA: We love helping homeowners. Call now to see how we can serve you.

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