What to Know Before Buying a Home in Pinehurst, NC

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

Ready to lay down some roots and buy a house in Pinehurst? Smart move! You've chosen a colorful city with an ideal amount of educational opportunities, businesses, 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 are familiar with the ins-and-outs of the Pinehurst housing market.

Given all of North Carolina's growth, Pinehurst homes aren't always easy to find at a comfortable price. Continued cultural expansion and economic growth have helped to entice young families, new businesses, and retirees to the Pinehurst area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Pinehurst and its nearby areas still offer a wide range of home styles and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your perfect home! When looking to buy a house in Pinehurst, consider how near or far away the home is from the places you visit most. If possible, 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. Exploring Pinehurst will also help you get a feel for how homes in east Pinehurst differ from west Pinehurst, where to find Pinehurst's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Pinehurst, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home 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 serve first-time homeowners 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 Pinehurst.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Pinehurst. After that, map out 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 Pinehurst averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Next, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can boost your odds of getting a good 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 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 options are always a good thing!

Move Up and Out: Buying Your Dream House in Pinehurst, 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 Pinehurst. Contact Mr. Cooper as you look to buy a home in Pinehurst. We're here for you every step of the way 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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