What to Know Before Buying a Home in Clarkstown, NY

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Get Familiar with the Lay of the Land in Clarkstown, NY

Thinking about buying a home in Clarkstown? Smart move! You picked an energetic city with a dynamic selection of parks, businesses, and educational opportunities, 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 Clarkstown housing market.

Clarkstown is growing by the day, which means Clarkstown homes don't always come cheap. Ongoing cultural expansion and economic growth have helped to attract entrepreneurs, retirees, and new graduates to the Clarkstown area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Clarkstown and its neighboring areas still offer a variety of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream home! When buying a home in Clarkstown, consider how near or far away the home is from the places you visit most. If possible, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Discovering different parts of Clarkstown will help you see how the northern part differs from the southern part, where to find Clarkstown's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Clarkstown? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe in keeping the dream of homeownership alive 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 York or somewhere else entirely. We work with experienced homeowners and first-time homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Clarkstown.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Clarkstown. After that, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Searching the web for Clarkstown averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Then, look at how much money you can put toward a down payment. A down payment of at least 20% can help improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, 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, consider your credit profile. Credit history is an important part of your mortgage application. The better your credit is, the more mortgage options you may be presented with— and more options are always good!

It's Go Time! Buy a House in Clarkstown, NY

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