The Process of Buying a Home in Starkville, MS

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Exploring Starkville, MS From North to South

Thinking about buying a home in Starkville? Smart move! You picked a colorful city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers nationwide and are familiar with the ins-and-outs of the Starkville housing market.

Given all of Mississippi's growth, Starkville homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to beckon young families, new businesses, and retirees to the Starkville area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Starkville and its neighboring areas still offer a wide range of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream house! When buying a house in Starkville, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your route to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Starkville will also help you get a feel for how homes in east Starkville differ from west Starkville, where to find Starkville's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Starkville? 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. It doesn't matter whether you want to buy a home in Mississippi or somewhere else entirely. We support new 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 Starkville.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Starkville. Then, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, 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 Starkville will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, figure out what a realistic down payment would be for you. A down payment of at least 20% can help increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, consider your credit profile. Credit history is an important part of 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?

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

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like Starkville. Contact Mr. Cooper as you get ready to buy a house in Starkville. We're here for you every step of the way and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

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