The Process of Buying a Home in Harrisburg, NC

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Understanding the Harrisburg, NC Housing Landscape

Strongly considering a home purchase in Harrisburg? Great idea! You picked a vibrant city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers across the country and know the Harrisburg housing market well.

Harrisburg'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 entice young families, new businesses, and retirees to the Harrisburg area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Harrisburg and the surrounding areas still offer an array of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your perfect home! When buying a home in Harrisburg, consider the home's location in relation to your everyday activities. If you can, test drive your route to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Traveling around Harrisburg will also give you an idea of why homes in west Harrisburg are priced differently than homes in east Harrisburg, what the communities are like, and where to find Harrisburg's coolest attractions.

You're ready to buy a house in Harrisburg, but is your bank account? 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 the journey less worrisome and more rewarding every step of the way. You could choose to buy a home in North Carolina or elsewhere. We serve new 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 Harrisburg.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Harrisburg. Next, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. Searching the web for Harrisburg averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, 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). However, the minimum down payment requirements depend on the type of loan. 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, take a good look at 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!

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

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Harrisburg. Contact Mr. Cooper as you look to buy a home in Harrisburg. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a high-performing real estate agent who may be able to help you save thousands.*

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