The Process of Buying a Home in Gastonia, NC

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Understanding the Gastonia, NC Housing Landscape

Thinking about buying a home in Gastonia? Great idea! You've chosen a colorful 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 nationwide and have the inside scoop on Gastonia's housing scene.

Gastonia is growing by the day, which means Gastonia homes don't always come cheap. Ongoing economic growth and cultural expansion have helped to entice young families, new businesses, and retirees to the Gastonia area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Gastonia and its neighboring areas still offer a variety of home styles and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream home! When buying a house in Gastonia, double check that you're factoring in the home's distance from your daily 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. Traveling around Gastonia will also give you an idea of why homes in west Gastonia are priced differently than homes in east Gastonia, what the neighborhoods are like, and where to find Gastonia's hottest attractions.

Are your finances in the right place to buy a home in Gastonia? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe in keeping the dream of homeownership alive and work to make every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in North Carolina or elsewhere. We work with new and experienced homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Gastonia.

Before anything else, estimate how much house you can afford. This will help determine the price range for your Gastonia house hunt. Then, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Gastonia 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.

Then, look at how much money you can put toward 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). Even so, down payment requirements can differ depending on the loan type. Here's where it can help to get prequalified for a mortgage. 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 one of the main factors that lenders look at when considering your mortgage application. The better your credit is, the more mortgage options you may be presented with— and more options are always good!

Make Your Move: Buy a Home in Gastonia, NC

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Gastonia. Contact Mr. Cooper as you look to buy a home in Gastonia. We're here for you every step of the way 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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