The Process of Buying a Home in Garden City, MO

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Exploring Garden City, MO From North to South

Ready to lay down some roots and buy a house in Garden City? Smart move! You picked an energetic city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers across the country and know the Garden City housing market well.

Garden City is growing by the day, which means Garden City homes don't always come cheap. Sustained support for local businesses and cultural growth have helped to beckon young families, new businesses, and retirees to the Garden City area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Garden City and its nearby areas still offer an array of homes in price and amenities. You can find single-family homes, condos, townhomes, and (ideally) your dream house! When buying a house in Garden City, consider how near or far away the home is from the places you visit most. If possible, 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. Traveling around Garden City will also give you an idea of why homes in west Garden City are priced differently than homes in east Garden City, where to find Garden City's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Garden City? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive and work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in Missouri or somewhere else entirely. We work with experienced homeowners and first-time 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 Garden City.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Garden City. Then, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Garden City 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 odds of getting a good 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, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and more options are always good!

It's Go Time! Buy a House in Garden City, MO

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Garden City, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Garden City. 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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