All About Buying a House in Garden City, NY

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Understanding the Garden City, NY Housing Landscape

Ready to lay down some roots and buy a house in Garden City? Great idea! You've chosen a colorful city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers from coast to coast and have the inside scoop on Garden City's housing scene.

Given all of New York's growth, Garden City homes aren't always easy to find at a comfortable price. Continued cultural expansion and economic growth have helped to entice young families, new businesses, and retirees to the Garden City area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Garden City and its neighboring areas still offer a wide range of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your dream house! When buying a house in Garden City, 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. The location of your house will impact virtually every part of your life. Exploring Garden City will also help you get a feel for how homes in east Garden City differ from west Garden City, what the neighborhoods are like, and where to find Garden City's hottest attractions.

Are you financially prepared to buy a house in Garden City? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home 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 Garden City. We help first-time homeowners and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Garden City.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Garden City. After that, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, 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 Garden City will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Now, look at how much money you can put toward a down payment. Placing a minimum of 20% down can increase your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. 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 healthier your credit is, the more mortgage options you may have open to you— and options are always a good thing!

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

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Garden City, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Garden City. 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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