The Process of Buying a Home in Haddon, NJ

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Get Familiar with the Lay of the Land in Haddon, NJ

Ready to lay down some roots and buy a house in Haddon? Smart move! You picked a lively city with a great balance of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers nationwide and are familiar with the ins-and-outs of the Haddon housing market.

Haddon'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 support for local businesses and cultural growth have helped to entice young families, new businesses, and retirees to the Haddon area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Haddon and its nearby areas still offer a variety of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your perfect home! When buying a home in Haddon, consider how near or far away the home is from the places you visit most. If possible, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Discovering different parts of Haddon will help you see how the northern part differs from the southern part, where to find Haddon's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Haddon, but is your bank account? 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 try our best to make the journey easier and more rewarding. You could choose to buy a home in New Jersey or elsewhere. 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 Haddon.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Haddon. Next, jot down 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 Haddon averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Next, 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 favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, the minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. 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. 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 Haddon, NJ

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like Haddon. Contact Mr. Cooper as you get ready to buy a house in Haddon. We're here for you from start to finish 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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