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The Process of Buying a Home in Golden Valley, MN

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Understanding the Golden Valley, MN Housing Landscape

Strongly considering a home purchase in Golden Valley? Congratulations! You selected an energetic city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers across the country and know the Golden Valley housing market well.

Given all of Minnesota's growth, Golden Valley homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to entice retirees, new businesses, and young families to the Golden Valley area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Golden Valley and its neighboring areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your perfect home! When buying a house in Golden Valley, consider the home's location in relation to your everyday activities. 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 Golden Valley will help you see how the northern part differs from the southern part, what the communities are like, and where to find Golden Valley's coolest attractions.

You're ready to buy a house in Golden Valley, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe in keeping the dream of homeownership alive and try our best to make the journey easier and more rewarding. You could choose to buy a home in Minnesota or elsewhere. We work with experienced homeowners and first-time homeowners alike. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in Golden Valley.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Golden Valley house hunt. Next, map out 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 Golden Valley will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve 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. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Golden Valley, MN

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 can also be incredibly rewarding, especially when you get to live in an amazing city like Golden Valley. Contact Mr. Cooper as you get ready to buy a house in Golden Valley. We're here to help you along 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 Golden Valley, MN

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

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