The Process of Buying a Home in Ridgeland, MS

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Get Familiar with the Lay of the Land in Ridgeland, MS

Ready to lay down some roots and buy a house in Ridgeland? Great idea! You selected a lively city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers nationwide and know the Ridgeland housing market well.

Ridgeland'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. Sustained economic growth and cultural expansion have helped to attract entrepreneurs, retirees, and new graduates to the Ridgeland area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Ridgeland and its nearby areas still offer a wide range of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your dream home! When buying a house in Ridgeland, double check that you're factoring in the home's distance from your daily 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. Traveling around Ridgeland will also give you an idea of why homes in west Ridgeland are priced differently than homes in east Ridgeland, what the neighborhoods are like, and where to find Ridgeland's hottest attractions.

Are your finances in the right place to buy a home in Ridgeland? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and work to make the journey less worrisome and more rewarding every step of the way. You don't even have to stick with your decision to buy a house in Ridgeland. 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 Ridgeland.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Ridgeland. Next, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Ridgeland averages will usually give you some solid estimates. 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. 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). That said, the minimum down payment requirements depend on the type of loan. This is where getting prequalified for a mortgage comes in handy. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, check 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!

Move Up and Out: Buying Your Dream House in Ridgeland, MS

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 feels more rewarding when you get to live in a place like Ridgeland. Contact Mr. Cooper as you get ready to buy a house in Ridgeland. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

Mr. Cooper Reviews from Real Customers in Ridgeland, MS

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

Buying or selling a house in Ridgeland? 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.