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The Process of Buying a Home in Saint Joseph, MO

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Get Familiar with the Lay of the Land in Saint Joseph, MO

Strongly considering a home purchase in Saint Joseph? Awesome! You selected a colorful city with a great balance 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 across the country and have the inside scoop on Saint Joseph's housing scene.

Saint Joseph'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 retirees, new businesses, and young families to the Saint Joseph area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Saint Joseph and its nearby areas still offer a wide range of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream house! When buying a house in Saint Joseph, consider the home's location in relation to your everyday activities. If possible, 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 Saint Joseph will also give you an idea of why homes in west Saint Joseph are priced differently than homes in east Saint Joseph, what the communities are like, and where to find Saint Joseph's coolest attractions.

You're ready to buy a house in Saint Joseph, but is your bank account? 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. You could choose to buy a home in Missouri or elsewhere. We help first-time homeowners and experienced homeowners alike. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in Saint Joseph.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Saint Joseph. After that, 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. While everyone's situation is different, an online search for Saint Joseph averages will usually give you some solid estimates. 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. Placing a minimum of 20% down can boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Make Your Move: Buy a Home in Saint Joseph, MO

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Saint Joseph. Contact Mr. Cooper as you get ready to buy a house in Saint Joseph. We're here to help you along 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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