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All About Buying a House in Garden City, KS

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Get Familiar with the Lay of the Land in Garden City, KS

Thinking about buying a home in Garden City? Congratulations! You picked an energetic city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers nationwide and know the Garden City housing market well.

Garden City'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 beckon young families, new businesses, and retirees to the Garden City area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Garden City and the surrounding areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your perfect home! When buying a home in Garden City, 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. The location of your house will impact virtually every part of your life. Exploring Garden City will also help you get a feel for how homes in east Garden City differ from west Garden City, what the communities are like, and where to find Garden City's coolest attractions.

Are you financially prepared to buy a house in Garden City? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe in keeping the dream of homeownership alive and work to make every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in Kansas or elsewhere. We serve experienced homeowners and first-time homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Garden City.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in Garden City. Then, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Garden City averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, look at how much money you can put toward a down payment. Putting at least 20% down will improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. Here's where it can help to get prequalified for a mortgage. 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. The better your credit is, the more mortgage options you may be presented with— and more options are always good!

Make Your Move: Buy a Home in Garden City, KS

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 Garden City. Contact Mr. Cooper as you get ready to buy a house in Garden City. We're here for you every step of the way 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 Customer Reviews for Garden City, KS

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

Simplify the home buying or selling process in Garden City with Mr. Cooper.

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