All About Buying a House in Fort Thomas, KY

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Get Familiar with the Lay of the Land in Fort Thomas, KY

Thinking about buying a home in Fort Thomas? Awesome! You selected 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 service 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Fort Thomas housing market.

Fort Thomas'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. Continued economic growth and cultural expansion have helped to entice entrepreneurs, retirees, and new graduates to the Fort Thomas area, but so much change also means a strain on housing options, school capacities, and city roads. Even so, Fort Thomas and its neighboring areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your perfect home! When looking to buy a house in Fort Thomas, consider the home's location in relation to your everyday activities. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Discovering different parts of Fort Thomas will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Fort Thomas's hottest attractions.

Are your finances in the right place to buy a home in Fort Thomas? 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. It doesn't matter whether you want to buy a home in Kentucky or somewhere else entirely. We work with new and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Fort Thomas.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in Fort Thomas. Then, 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 Fort Thomas 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.

Now, consider how much you can contribute to a down payment. Placing a minimum of 20% down can boost your chances of getting a favorable 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. 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, consider your credit profile. Credit history is an important part of your mortgage application. You may be presented with more mortgage options if you have healthy credit— and who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Fort Thomas, KY

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Fort Thomas. Contact Mr. Cooper as you get ready to buy a house in Fort Thomas. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a high-performing real estate agent who may be able to help you save thousands.*

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