What to Know Before Buying a Home in Picayune, MS

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Exploring Picayune, MS From North to South

Ready to lay down some roots and buy a house in Picayune? Great idea! You picked a lively city with a great balance of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Picayune housing market.

Given all of Mississippi's growth, Picayune homes aren't always easy to find at a comfortable price. Sustained support for local businesses and cultural growth have helped to entice entrepreneurs, retirees, and new graduates to the Picayune area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Picayune and the surrounding areas still offer an array of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your perfect home! When buying a home in Picayune, double check that you're factoring in the home's distance from your daily activities. If possible, 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. Traveling around Picayune will also give you an idea of why homes in west Picayune are priced differently than homes in east Picayune, what the neighborhoods are like, and where to find Picayune's hottest attractions.

Are you financially prepared to buy a house in Picayune? 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 don't even have to stick with your decision to buy a house in Picayune. We help experienced homeowners and first-time homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Picayune.

First, estimate how much house you can afford. This will help determine the price range for your Picayune house hunt. Next, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Picayune will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, consider how much you can contribute to a down payment. Placing a minimum of 20% down can increase 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. 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. You may be presented with more mortgage options if you have healthy credit— and who doesn't want more choices in life?

It's Go Time! Buy a House in Picayune, MS

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Picayune, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Picayune. We're here to help you along 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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