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What to Know Before Buying a Home in Blaine, MN

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Exploring Blaine, MN From North to South

Strongly considering a home purchase in Blaine? Great idea! You've chosen a colorful city with a great balance of educational opportunities, businesses, and parks, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers nationwide and have the inside scoop on Blaine's housing scene.

Given all of Minnesota's growth, Blaine homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to beckon entrepreneurs, retirees, and new graduates to the Blaine area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Blaine and its neighboring areas still offer a wide range of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your perfect home! When looking to buy a house in Blaine, consider the home's location in relation to your everyday activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your home's location will influence almost every aspect of your life. Discovering different parts of Blaine will help you see how the northern part differs from the southern part, what the communities are like, and where to find Blaine's coolest attractions.

Are you financially prepared to buy a house in Blaine? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home and work to make every stage of the journey more enjoyable and less worrisome. You don't even have to stick with your decision to buy a house in Blaine. We work with first-time homeowners and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Blaine.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Blaine house hunt. Then, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Blaine averages will usually give you some solid estimates. 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 boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Getting prequalified helps you know how much you might be eligible to borrow from a lender. 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!

Make Your Move: Buy a Home in Blaine, MN

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Blaine. Contact Mr. Cooper as you prepare to buy a house in Blaine. 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.*

Mr. Cooper Reviews from Real Customers in Blaine, MN

Read real stories from real Mr. Cooper home buyers and sellers in Blaine, MN. Then contact us to see what we can do for you.

Buying or selling a house in Blaine? 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.