The Process of Buying a Home in Clifton, NJ

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Exploring Clifton, NJ From North to South

Ready to lay down some roots and buy a house in Clifton? Smart move! You selected an energetic city with a great balance of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers nationwide and know the Clifton housing market well.

Given all of New Jersey's growth, Clifton homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to beckon young families, new businesses, and retirees to the Clifton area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Clifton and its nearby areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When buying a home in Clifton, 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. Your house's location will affect everything, from your morning routine to how you spend your evenings. Traveling around Clifton will also give you an idea of why homes in west Clifton are priced differently than homes in east Clifton, what the neighborhoods are like, and where to find Clifton's hottest attractions.

Are you financially prepared to buy a house in Clifton? 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 every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in New Jersey or somewhere else entirely. We serve experienced homeowners and first-time homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Clifton.

First, calculate how much house you can afford. This will help determine the price range for your Clifton house hunt. Next, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Clifton averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, figure out what a realistic down payment would be for you. A down payment of at least 20% can help increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, 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, consider your credit profile. 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 more options are always good!

It's Go Time! Buy a House in Clifton, NJ

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 Clifton. Contact Mr. Cooper as you get ready to buy a house in Clifton. 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.*

Mr. Cooper Customer Reviews for Clifton, NJ

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

Simplify the home buying or selling process in Clifton with Mr. Cooper.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.