What to Know Before Buying a Home in Baton Rouge, LA

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Exploring Baton Rouge, LA From North to South

Strongly considering a home purchase in Baton Rouge? Congratulations! You picked a vibrant city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers from coast to coast and have the inside scoop on Baton Rouge's housing scene.

Given all of Louisiana's growth, Baton Rouge homes aren't always easy to find at a comfortable price. Ongoing support for local businesses and cultural growth have helped to beckon retirees, new businesses, and young families to the Baton Rouge area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Baton Rouge and its nearby areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When buying a home in Baton Rouge, 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. The location of your house will impact virtually every part of your life. Discovering different parts of Baton Rouge will help you see how the northern part differs from the southern part, where to find Baton Rouge's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Baton Rouge? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe everyone can find their dream home and work to make every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in Louisiana or elsewhere. We work with first-time homeowners 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 Baton Rouge.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Baton Rouge. 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. Everyone's situation will differ, but a quick online search for average expenses in Baton Rouge will usually point you in the right direction. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Then, look at how much money you can put toward a down payment. Placing a minimum of 20% down can increase your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified will give you an idea of how much you might qualify 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!

It's Go Time! Buy a House in Baton Rouge, LA

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 Baton Rouge. Contact Mr. Cooper as you prepare to buy a house in Baton Rouge. 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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