What to Know Before Buying a Home in Jeffersontown, KY

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Exploring Jeffersontown, KY From North to South

Thinking about buying a home in Jeffersontown? Smart move! You've chosen an energetic city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers nationwide and know the Jeffersontown housing market well.

Jeffersontown is growing by the day, which means Jeffersontown homes don't always come cheap. Sustained cultural expansion and economic growth have helped to attract entrepreneurs, retirees, and new graduates to the Jeffersontown area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Jeffersontown and its neighboring areas still offer a wide range of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your dream home! When buying a house in Jeffersontown, double check that you're factoring in the home's distance from your daily activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your home's location will influence almost every aspect of your life. Discovering different parts of Jeffersontown will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Jeffersontown's hottest attractions.

You're ready to buy a house in Jeffersontown, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home 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 serve experienced homeowners and first-time homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Jeffersontown.

First, calculate how much house you can afford. This will help determine the price range for your Jeffersontown house hunt. Then, map out your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Jeffersontown will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Now, look at how much money you can put toward a down payment. Placing a minimum of 20% down can improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, the required down payment will depend on the type of loan you get. Here's where it can help to get prequalified for a mortgage. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, take a good look at your credit. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

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

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But when you get to live in a stellar city like Jeffersontown, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Jeffersontown. 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.*

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