All About Buying a House in Arden, NC

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Understanding the Arden, NC Housing Landscape

Ready to lay down some roots and buy a house in Arden? Awesome! You've chosen a colorful city with an ideal amount 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 across the country and have the inside scoop on Arden's housing scene.

Arden'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 attract entrepreneurs, retirees, and new graduates to the Arden area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Arden and its neighboring areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your perfect home! When buying a house in Arden, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Arden will also give you an idea of why homes in west Arden are priced differently than homes in east Arden, what the communities are like, and where to find Arden's coolest attractions.

Are your finances in the right place to buy a home in Arden? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. You could choose to buy a home in North Carolina or elsewhere. We serve 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 Arden.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Arden house hunt. Next, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Arden averages will usually give you some solid estimates. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Next, figure out what a realistic down payment would be for you. A down payment of at least 20% can help improve your chances of getting a great 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, check your credit. 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!

Move Up and Out: Buying Your Dream House in Arden, NC

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Arden, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Arden. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

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