The Process of Buying a Home in Wantagh, NY

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

Ready to lay down some roots and buy a house in Wantagh? Great idea! You selected an energetic city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers from coast to coast and know the Wantagh housing market well.

Wantagh is growing by the day, which means Wantagh homes don't always come cheap. Sustained cultural expansion and economic growth have helped to attract young families, new businesses, and retirees to the Wantagh area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Wantagh and its nearby areas still offer a wide range of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream house! When buying a house in Wantagh, consider the home's location in relation to your everyday activities. If possible, test drive your route to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Discovering different parts of Wantagh will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Wantagh's hottest attractions.

Are your finances in the right place to buy a home in Wantagh? 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. It doesn't matter whether you want to buy a home in New York or somewhere else entirely. We serve 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 Wantagh.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Wantagh. Then, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Wantagh 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, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. 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!

It's Go Time! Buy a House in Wantagh, NY

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Wantagh. Contact Mr. Cooper as you get ready to buy a house in Wantagh. 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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