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What to Know When Buying a House in Lockport, NY

Buy / Sell Buying a home can be as exhilarating as it is stressful — and even more so when you're a first-time home buyer in Lockport, NY. There is so much to learn, and Mr. Cooper is here to explain it all in simple, easy to follow terms. We'll make sure you're equipped with confidence and empowered with information about prequalification, financing options, and your home search. Our mortgage professionals have years of experience buying homes, and they know how to customize information to fit your situation. You'll learn what to ask and when, such as, "how long has this house been for sale?" and, "how many offers has the seller received so far?" Contact Mr. Cooper today to learn more.

We'll prepare you for becoming a homeowner by helping you calculate how much house you can comfortably afford in Lockport. We'll then walk you through prequalifying for a mortgage, something that could help you stay ahead of the game. When it comes to buying a home in Lockport, mortgage prequalification is one of the best things you can do. It shows that a mortgage lender believes you are a good candidate for a home loan, and you'll end up with an estimate of how much you can afford to spend on your new home. Mr. Cooper can even link you up with experienced, full-service real estate agents close to you.* Lastly, we'll help you select and apply for a home loan, finalize your loan, and walk alongside you until closing day. Buying a home in Lockport could be even easier when you have Mr. Cooper in your corner.

What If You Are in Escrow with Mr. Cooper?

No matter whether you're a home seller or buyer, you'll hear the word escrow quite a bit throughout your homeownership journey. The escrow process is when a third-party holds something of value, usually money, in a special account until a transaction between a seller and buyer is finished. An escrow account can be used for all types of transactions, but we shine the spotlight on how it applies to real estate. If you're the home buyer, you typically put a percentage of the property price in the escrow account. If you're the one selling, you take the home off the market during escrow so the property can be inspected.

Once you become a homeowner, escrow carries a different meaning. Your escrow account is like a piggy bank that holds money for your mortgage company to pay your property taxes and insurance premiums. The account helps take away the anxiety of saving for and keeping up with those expenses. Connect with one of our mortgage professionals today to talk about your former Nationstar escrow account or current Mr. Cooper escrow account. We are here to walk with you, whether you're buying, selling, or just settling in. Let's get you home.

What to Know When Selling a House in Lockport, NY

We've been there. We know that selling a house in Lockport, NY is one part joy and one part stress. Sellers have to overcome unique obstacles. Mr. Cooper has firsthand experience overcoming those obstacles and can help you enjoy a better home selling experience.

Finding a new home while trying to sell your old one is just one example. There are only so many homes to choose from around Lockport, and inventory is always changing. It might feel like you can't afford to wait for the right house to pop up. Mr. Cooper understands how troubling this can be and can share some solutions for taking the stress out of selling your house. Other obstacles are harder to grasp, like any unrealized assumptions you have about your home's final sale price, or the emotional tie you have with your home. Not to mention, you still have to plan your move!

At Mr. Cooper, our team members can connect you to the expert resources via our affiliate that you need to overcome difficulties AND lower the amount of money you spend on closing costs and real estate commissions.* Ask about the Mr. Cooper Real Estate Rewards program in Lockport to learn more!

Mr. Cooper's Services Go Beyond Just Home Financing in Lockport

In the Lockport area, Mr. Cooper is a great home buying and selling ally to have in your back pocket. We'll give you the information, service, and support you need to make the best financial decisions to achieve your future goals. We can even offer guidance around credit score health and support you as you improve your credit to qualify for more competitive financing options. Boosting credit can be as straightforward as paying bills before they're due, monitoring and resolving credit errors, and reducing your overall debt. Plenty of credit mistakes are the result of people failing to act or not paying attention. We think you can be different. All you need is knowledge. You can choose to act. Check your credit score, work hard to improve it, and pat yourself on the back when you prequalify for a home loan. With Mr. Cooper as your go-to advisor, you can be prepared to sell or buy a house even sooner.

Mr. Cooper Reviews from Real Customers in Lockport, NY

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Buying or selling a house in Lockport? Mr. Cooper makes it easier.

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