The Process of Buying a Home in Kirkwood, MO

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Exploring Kirkwood, MO From North to South

Strongly considering a home purchase in Kirkwood? Smart move! You selected a colorful city with a great balance of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers from coast to coast and know the Kirkwood housing market well.

Kirkwood is growing by the day, which means Kirkwood homes don't always come cheap. Continued economic growth and cultural expansion have helped to attract retirees, new businesses, and young families to the Kirkwood area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Kirkwood and its neighboring areas still offer a variety of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your dream home! When buying a house in Kirkwood, consider how near or far away the home is from the places you visit most. If you can, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Kirkwood will also give you an idea of why homes in west Kirkwood are priced differently than homes in east Kirkwood, where to find Kirkwood's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Kirkwood? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. You could choose to buy a home in Missouri or elsewhere. We work with experienced homeowners and first-time homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Kirkwood.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Kirkwood. Next, 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 Kirkwood averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, look at how much money you can put toward a down payment. Putting at least 20% down will boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. 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 options are always a good thing!

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

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 when you get to live in a stellar city like Kirkwood, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Kirkwood. 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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