The Process of Buying a Home in Garner, NC

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Get Familiar with the Lay of the Land in Garner, NC

Strongly considering a home purchase in Garner? Smart move! You picked a lively city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers from coast to coast and know the Garner housing market well.

Garner'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. Sustained support for local businesses and cultural growth have helped to attract entrepreneurs, retirees, and new graduates to the Garner area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Garner and its nearby areas still offer a wide range of home types and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When looking to buy a house in Garner, consider how near or far away the home is from the places you visit most. If possible, test drive your trip from the house to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Garner will also help you get a feel for how homes in east Garner differ from west Garner, what the neighborhoods are like, and where to find Garner's hottest attractions.

Are you financially prepared to buy a house in Garner? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We think the dream of homeownership should never fade and work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in North Carolina or somewhere else entirely. We support experienced homeowners and first-time homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Garner.

First, calculate how much house you can afford. This will help determine the price range for your Garner house hunt. Next, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Garner will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, figure out what a realistic down payment would be for you. A down payment of at least 20% can help increase your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. You may be presented with more mortgage options if you have healthy credit— and more options are always good!

It's Go Time! Buy a House in Garner, NC

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 Garner. Contact Mr. Cooper as you look to buy a home in Garner. 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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