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What to Know Before Buying a Home in Ipswich, MA

Ipswich is changing every day. Get the information you need to make your best move. Learn more about buying a house in Ipswich, MA.

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Get Familiar with the Lay of the Land in Ipswich, MA

Strongly considering a home purchase in Ipswich? Awesome! You picked a colorful city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers nationwide and are familiar with the ins-and-outs of the Ipswich housing market.

Given all of Massachusetts's growth, Ipswich homes aren't always easy to find at a comfortable price. Ongoing cultural expansion and economic growth have helped to entice young families, new businesses, and retirees to the Ipswich area, but so much change also means more traffic, more competition, and a need for more schools. That said, Ipswich and the surrounding areas still offer an array of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your perfect home! When buying a home in Ipswich, consider how near or far away the home is from the places you visit most. If possible, 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. Traveling around Ipswich will also give you an idea of why homes in west Ipswich are priced differently than homes in east Ipswich, what the neighborhoods are like, and where to find Ipswich's hottest attractions.

Are your finances in the right place to buy a home in Ipswich? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe in keeping the dream of homeownership alive and work to make the journey less worrisome and more rewarding every step of the way. You could choose to buy a home in Massachusetts or elsewhere. We work with experienced homeowners and first-time homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Ipswich.

First, estimate how much house you can afford. This will help you set a price range while house shopping in Ipswich. 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 Ipswich 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.

Now, look at how much money you can put toward a down payment. Putting at least 20% down will increase your chances of getting a great 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. 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, consider your credit profile. 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 who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Ipswich, MA

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 Ipswich. Contact Mr. Cooper as you prepare to buy a house in Ipswich. We're here to help you along the way 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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