All About Buying a House in Urbandale, IA

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Understanding the Urbandale, IA Housing Landscape

Thinking about buying a home in Urbandale? Smart move! You've chosen a lively city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers nationwide and know the Urbandale housing market well.

Urbandale'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 economic growth and cultural expansion have helped to attract retirees, new businesses, and young families to the Urbandale area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Urbandale and the surrounding areas still offer an array of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When looking to buy a house in Urbandale, consider how near or far away the home is from the places you visit most. If you can, test drive your trip from the house to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Urbandale will also help you get a feel for how homes in east Urbandale differ from west Urbandale, what the neighborhoods are like, and where to find Urbandale's hottest attractions.

You're ready to buy a house in Urbandale, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. 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 Iowa or somewhere else entirely. We work with experienced homeowners and first-time homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Urbandale.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Urbandale. Then, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Urbandale 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.

Now, consider how much you can contribute to a down payment. Putting at least 20% down will 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. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, consider your credit profile. 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!

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

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like Urbandale. Contact Mr. Cooper as you get ready to buy a house in Urbandale. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

Mr. Cooper Reviews from Real Customers in Urbandale, IA

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

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