The Process of Buying a Home in Maryland Heights, MO

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Get Familiar with the Lay of the Land in Maryland Heights, MO

Ready to lay down some roots and buy a house in Maryland Heights? Awesome! You selected a colorful city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers nationwide and know the Maryland Heights housing market well.

Given all of Missouri's growth, Maryland Heights homes aren't always easy to find at a comfortable price. Ongoing support for local businesses and cultural growth have helped to beckon retirees, new businesses, and young families to the Maryland Heights area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Maryland Heights and the surrounding areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your perfect home! When buying a house in Maryland Heights, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your trip from the house to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Traveling around Maryland Heights will also give you an idea of why homes in west Maryland Heights are priced differently than homes in east Maryland Heights, where to find Maryland Heights's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Maryland Heights? 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 every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in Missouri or elsewhere. We help new and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Maryland Heights.

First, estimate how much house you can afford. This will help you set a price range while house shopping in Maryland Heights. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Maryland Heights will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

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 favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. Here's where it can help to get prequalified for a mortgage. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, take a good look at your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

Make Your Move: Buy a Home in Maryland Heights, 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 moving feels more rewarding when you get to live in a place like Maryland Heights. Contact Mr. Cooper as you get ready to buy a house in Maryland Heights. We're here for you every step of 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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Buying or selling a house in Maryland Heights? 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.