All About Buying a House in Thibodaux, LA

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Get Familiar with the Lay of the Land in Thibodaux, LA

Strongly considering a home purchase in Thibodaux? Awesome! You selected a vibrant city with a great balance of educational opportunities, businesses, 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 have the inside scoop on Thibodaux's housing scene.

Given all of Louisiana's growth, Thibodaux homes aren't always easy to find at a comfortable price. Ongoing cultural expansion and economic growth have helped to beckon retirees, new businesses, and young families to the Thibodaux area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Thibodaux and the surrounding areas still offer an array of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your perfect home! When buying a house in Thibodaux, double check that you're factoring in the home's distance from your daily activities. If possible, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Discovering different parts of Thibodaux will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Thibodaux's hottest attractions.

Are your finances in the right place to buy a home in Thibodaux? 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. You don't even have to stick with your decision to buy a house in Thibodaux. We work with new and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Thibodaux.

Before anything else, estimate how much house you can afford. This will help determine the price range for your Thibodaux house hunt. After that, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Thibodaux 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.

Next, consider how much you can contribute to a down payment. Putting at least 20% down will increase your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. Here's where it can help to get prequalified for a mortgage. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, take a good look at your credit. Lenders place a high importance on credit history when looking at your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

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

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 moving feels more rewarding when you get to live in a place like Thibodaux. Contact Mr. Cooper as you prepare to buy a house in Thibodaux. We're here to help you along 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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