What to Know Before Buying a Home in Gardner, KS

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Get Familiar with the Lay of the Land in Gardner, KS

Strongly considering a home purchase in Gardner? Great idea! You picked a lively city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers nationwide and have the inside scoop on Gardner's housing scene.

Gardner is growing by the day, which means Gardner homes don't always come cheap. Continued economic growth and cultural expansion have helped to entice retirees, new businesses, and young families to the Gardner area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Gardner 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 looking to buy a house in Gardner, consider the home's location in relation to your everyday activities. If possible, 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. Discovering different parts of Gardner will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Gardner's hottest attractions.

Are you financially prepared to buy a house in Gardner? 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 work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in Kansas or somewhere else entirely. We support first-time homeowners and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Gardner.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Gardner. After that, map out 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 Gardner averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, look at how much money you can put toward a down payment. Placing a minimum of 20% down can boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, the minimum down payment requirements depend on the type of loan. 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, check your credit. 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?

It's Go Time! Buy a House in Gardner, 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 Gardner. Contact Mr. Cooper as you get ready to buy a house in Gardner. 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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