What to Know Before Buying a Home in Elizabethtown, KY

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Get Familiar with the Lay of the Land in Elizabethtown, KY

Strongly considering a home purchase in Elizabethtown? Congratulations! You picked a vibrant 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 serve 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Elizabethtown housing market.

Elizabethtown is growing by the day, which means Elizabethtown homes don't always come cheap. Ongoing support for local businesses and cultural growth have helped to attract retirees, new businesses, and young families to the Elizabethtown area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Elizabethtown and the surrounding areas still offer an array of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream house! When buying a home in Elizabethtown, double check that you're factoring in the home's distance from your daily 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 Elizabethtown will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Elizabethtown's hottest attractions.

You're ready to buy a house in Elizabethtown, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We think the dream of homeownership should never fade 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 Elizabethtown. We support new 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 Elizabethtown.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Elizabethtown. Then, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, 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 Elizabethtown 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, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can increase 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. At this stage, getting prequalified for a loan can be extremely helpful. 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 better your credit is, the more mortgage options you may be presented with— and options are always a good thing!

Make Your Move: Buy a Home in Elizabethtown, KY

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 Elizabethtown. Contact Mr. Cooper as you get ready to buy a house in Elizabethtown. We're here for you every step of the way 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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