Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

The Process of Buying a Home in St. Joseph, MO

Busy? Have us call you back. Call Me Back

More Information

Exploring St. Joseph, MO From North to South

Strongly considering a home purchase in St. Joseph? Congratulations! You picked 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 service 3.8 million customers nationwide and are familiar with the ins-and-outs of the St. Joseph housing market.

St. 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. Continued economic growth and cultural expansion have helped to entice retirees, new businesses, and young families to the St. Joseph area, but so much change also means a strain on housing options, school capacities, and city roads. That said, St. Joseph and its neighboring areas still offer a wide range of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your dream house! When looking to buy a house in St. Joseph, double check that you're factoring in the home's distance from your daily activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your home's location will influence almost every aspect of your life. Exploring St. Joseph will also help you get a feel for how homes in east St. Joseph differ from west St. Joseph, what the communities are like, and where to find St. Joseph's coolest attractions.

Are your finances in the right place to buy a home in St. Joseph? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home and work to make every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in Missouri or somewhere else entirely. We work with new and experienced homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in St. Joseph.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in St. Joseph. Next, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in St. Joseph 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, figure out what a realistic down payment would be for you. A down payment of at least 20% can help boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, the required down payment will depend on the type of loan you get. This is where getting prequalified for a mortgage comes in handy. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check 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!

It's Go Time! Buy a House in St. Joseph, 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 St. Joseph, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in St. Joseph. We're here for you from start to finish 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.*

Mr. Cooper Customer Reviews for St. Joseph, MO

Take it from these Mr. Cooper home buyers and sellers in St. Joseph, MO: We love helping homeowners. Call now to see how we can serve you.

Buying or selling a house in St. Joseph? 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.