The Process of Buying a Home in Kearney, NE

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Exploring Kearney, NE From North to South

Strongly considering a home purchase in Kearney? Smart move! You've chosen a vibrant 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 support 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Kearney housing market.

Kearney is growing by the day, which means Kearney homes don't always come cheap. Continued economic growth and cultural expansion have helped to beckon young families, new businesses, and retirees to the Kearney area, but so much change also means a strain on housing options, school capacities, and city roads. Even so, Kearney and the surrounding areas still offer an array of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream home! When buying a house in Kearney, consider the home's location in relation to your everyday activities. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Traveling around Kearney will also give you an idea of why homes in west Kearney are priced differently than homes in east Kearney, where to find Kearney's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Kearney, 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 try our best to make the journey easier and more rewarding. You don't even have to stick with your decision to buy a house in Kearney. 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 Kearney.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Kearney. Next, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. Everyone's situation will differ, but a quick online search for average expenses in Kearney will usually point you in the right direction. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Next, 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). Even so, 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, check your credit. Credit history is an important part of your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Kearney, NE

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 Kearney. Contact Mr. Cooper as you prepare to buy a house in Kearney. 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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Buying or selling a house in Kearney? 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.