What to Know Before Buying a Home in Kent, NY

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

Ready to lay down some roots and buy a house in Kent? Congratulations! You've chosen a colorful city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers across the country and know the Kent housing market well.

Kent is growing by the day, which means Kent homes don't always come cheap. Sustained support for local businesses and cultural growth have helped to beckon young families, new businesses, and retirees to the Kent area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Kent and the surrounding areas still offer a wide range of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your dream home! When looking to buy a house in Kent, consider how near or far away the home is from the places you visit most. If you can, test drive your route to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Traveling around Kent will also give you an idea of why homes in west Kent are priced differently than homes in east Kent, where to find Kent's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Kent? 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 every stage of the journey more enjoyable and less worrisome. You don't even have to stick with your decision to buy a house in Kent. We help new and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Kent.

First, estimate how much house you can afford. This will help determine the price range for your Kent house hunt. Next, add up the potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. Searching the web for Kent averages will usually give you a solid estimate, though everyone's situation is different. 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 great 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. 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. Credit history is an important part of your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Make Your Move: Buy a Home in Kent, NY

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 Kent. Contact Mr. Cooper as you get ready to buy a house in Kent. 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 Reviews from Real Customers in Kent, NY

Read real stories from real Mr. Cooper home buyers and sellers in Kent, NY. Then contact us to see what we can do for you.

Make buying or selling a Kent home easier.

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