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The Process of Buying a Home in Waltham, MA

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Understanding the Waltham, MA Housing Landscape

Strongly considering a home purchase in Waltham? Congratulations! You picked a colorful city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers nationwide and are familiar with the ins-and-outs of the Waltham housing market.

Waltham is growing by the day, which means Waltham homes don't always come cheap. Continued cultural expansion and economic growth have helped to entice entrepreneurs, retirees, and new graduates to the Waltham area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Waltham and the surrounding areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (ideally) your perfect home! When looking to buy a house in Waltham, 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 house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Waltham will also help you get a feel for how homes in east Waltham differ from west Waltham, what the neighborhoods are like, and where to find Waltham's hottest attractions.

Are your finances in the right place to buy a home in Waltham? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in Massachusetts or somewhere else entirely. We support 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 Waltham.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Waltham house hunt. Then, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, 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 Waltham 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 chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, 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. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, check your credit. Credit history is one of the main factors that lenders look at when considering 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 Waltham, MA

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 Waltham. Contact Mr. Cooper as you prepare to buy a house in Waltham. 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.*

Mr. Cooper Reviews from Real Customers in Waltham, MA

Take it from these Mr. Cooper home buyers and sellers in Waltham, MA: We love helping homeowners. Call now to see how we can serve you.

Buying or selling a house in Waltham? Mr. Cooper makes it easier.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.