The Process of Buying a Home in St. Clair Shores, MI

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Understanding the St. Clair Shores, MI Housing Landscape

Ready to lay down some roots and buy a house in St. Clair Shores? Awesome! 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 service 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the St. Clair Shores housing market.

Given all of Michigan's growth, St. Clair Shores homes aren't always easy to find at a comfortable price. Ongoing support for local businesses and cultural growth have helped to attract young families, new businesses, and retirees to the St. Clair Shores area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, St. Clair Shores and its nearby areas still offer a wide range of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When buying a house in St. Clair Shores, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Exploring St. Clair Shores will also help you get a feel for how homes in east St. Clair Shores differ from west St. Clair Shores, what the neighborhoods are like, and where to find St. Clair Shores's hottest attractions.

You're ready to buy a house in St. Clair Shores, but is your bank account? 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 try our best to make the journey easier and more rewarding. You could choose to buy a home in Michigan or elsewhere. We help experienced homeowners and first-time 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 St. Clair Shores.

Before anything else, calculate how much house you can afford. This will help determine the price range for your St. Clair Shores house hunt. Next, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. While everyone's situation is different, an online search for St. Clair Shores averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, look at how much money you can put toward a down payment. Putting at least 20% down will improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. This is where getting prequalified for a mortgage comes in handy. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, consider your credit profile. 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!

Make Your Move: Buy a Home in St. Clair Shores, MI

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 when you get to live in a stellar city like St. Clair Shores, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in St. Clair Shores. We're here for you every step of the way 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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Simplify the home buying or selling process in St. Clair Shores with Mr. Cooper.

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