The Process of Buying a Home in Hampton, NH

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Get Familiar with the Lay of the Land in Hampton, NH

Strongly considering a home purchase in Hampton? Smart move! You picked an energetic city with an ideal amount of educational opportunities, businesses, 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 are familiar with the ins-and-outs of the Hampton housing market.

Hampton'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 cultural expansion and economic growth have helped to beckon young families, new businesses, and retirees to the Hampton area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Hampton and its neighboring areas still offer a variety of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When buying a house in Hampton, double check that you're factoring in the home's distance from your daily activities. If possible, test drive your trip from the house to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Hampton will also help you get a feel for how homes in east Hampton differ from west Hampton, what the communities are like, and where to find Hampton's coolest attractions.

Are your finances in the right place to buy a home in Hampton? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade and work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in New Hampshire or somewhere else entirely. We support new and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Hampton.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Hampton. Next, map out your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Searching the web for Hampton averages will usually give you a solid estimate, though everyone's situation is different. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, the minimum down payment requirements depend on the type of loan. Here's where it can help to get prequalified for a mortgage. Prequalification points you in the right direction as far as how much you may be eligible 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 options are always a good thing!

Make Your Move: Buy a Home in Hampton, NH

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Hampton, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Hampton. We're here to help you along 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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