The Process of Buying a Home in Orangetown, NY

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Understanding the Orangetown, NY Housing Landscape

Thinking about buying a home in Orangetown? Smart move! You've chosen a colorful city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers from coast to coast and have the inside scoop on Orangetown's housing scene.

Orangetown is growing by the day, which means Orangetown homes don't always come cheap. Continued cultural expansion and economic growth have helped to attract young families, new businesses, and retirees to the Orangetown area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Orangetown and the surrounding areas still offer an array of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your dream house! When buying a house in Orangetown, double check that you're factoring in the home's distance from your daily activities. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your home's location will influence almost every aspect of your life. Exploring Orangetown will also help you get a feel for how homes in east Orangetown differ from west Orangetown, what the neighborhoods are like, and where to find Orangetown's hottest attractions.

You're ready to buy a house in Orangetown, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home 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 Orangetown. We support new and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Orangetown.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in Orangetown. Then, 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. Searching the web for Orangetown 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.

Next, consider how much you can contribute to a down payment. Putting at least 20% down will improve 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. Here's where it can help to get prequalified for a mortgage. 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 Orangetown, NY

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But moving feels more rewarding when you get to live in a place like Orangetown. Contact Mr. Cooper as you look to buy a home in Orangetown. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

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