What to Know Before Buying a Home in Mount Pleasant, MI

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Get Familiar with the Lay of the Land in Mount Pleasant, MI

Strongly considering a home purchase in Mount Pleasant? Congratulations! You've chosen a vibrant city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers across the country and know the Mount Pleasant housing market well.

Mount Pleasant's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Ongoing economic growth and cultural expansion have helped to attract retirees, new businesses, and young families to the Mount Pleasant area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Mount Pleasant and its neighboring areas still offer a wide range of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream house! When buying a home in Mount Pleasant, consider how near or far away the home is from the places you visit most. 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 Mount Pleasant will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Mount Pleasant's hottest attractions.

You're ready to buy a house in Mount Pleasant, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We think the dream of homeownership should never fade 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 Michigan or somewhere else entirely. We support first-time homeowners and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Mount Pleasant.

First, estimate how much house you can afford. This will help you set a price range while house shopping in Mount Pleasant. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Searching the web for Mount Pleasant averages will usually give you a solid estimate, though everyone's situation is different. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Now, figure out what a realistic down payment would be for you. A down payment of at least 20% can help increase your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, 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 helps you know how much you might be eligible to borrow from a lender. 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 more options are always good!

Make Your Move: Buy a Home in Mount Pleasant, MI

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 Mount Pleasant. Contact Mr. Cooper as you look to buy a home in Mount Pleasant. We're here for you every step of 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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