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What to Know Before Buying a Home in Harrison, NY

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Understanding the Harrison, NY Housing Landscape

Thinking about buying a home in Harrison? Great idea! You picked an energetic city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers nationwide and have the inside scoop on Harrison's housing scene.

Harrison is growing by the day, which means Harrison homes don't always come cheap. Continued cultural expansion and economic growth have helped to beckon young families, new businesses, and retirees to the Harrison area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Harrison and its neighboring areas still offer a wide range of homes in price and amenities. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream home! When buying a house in Harrison, consider the home's location in relation to your everyday 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 Harrison will also give you an idea of why homes in west Harrison are priced differently than homes in east Harrison, where to find Harrison's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Harrison? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. 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. You don't even have to stick with your decision to buy a house in Harrison. We work with new and experienced homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Harrison.

First, estimate how much house you can afford. This will help determine the price range for your Harrison house hunt. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, 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 Harrison will usually point you in the right direction. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Next, consider how much you can contribute to a down payment. Placing a minimum of 20% down can increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, the required down payment will depend on the type of loan you get. 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, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Move Up and Out: Buying Your Dream House in Harrison, 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 Harrison, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Harrison. 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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