All About Buying a House in Plattsburgh, NY

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Understanding the Plattsburgh, NY Housing Landscape

Ready to lay down some roots and buy a house in Plattsburgh? Awesome! You've chosen a colorful city with a great balance 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 know the Plattsburgh housing market well.

Plattsburgh's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Ongoing cultural expansion and economic growth have helped to beckon entrepreneurs, retirees, and new graduates to the Plattsburgh area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Plattsburgh and its nearby areas still offer a wide range of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your perfect home! When looking to buy a house in Plattsburgh, consider how near or far away the home is from the places you visit most. If you can, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Exploring Plattsburgh will also help you get a feel for how homes in east Plattsburgh differ from west Plattsburgh, what the neighborhoods are like, and where to find Plattsburgh's hottest attractions.

Are you financially prepared to buy a house in Plattsburgh? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive 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 Plattsburgh. We work with first-time homeowners and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Plattsburgh.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Plattsburgh. 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. Everyone's situation will differ, but a quick online search for average expenses in Plattsburgh 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.

Now, look at how much money you can put toward 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, the minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, take a good look at your credit. Credit history is an important part of your mortgage application. The better your credit is, the more mortgage options you may be presented with— and who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Plattsburgh, 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 when you get to live in a stellar city like Plattsburgh, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in Plattsburgh. We're here to help you along the way 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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