All About Buying a House in Shelby, NC

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Understanding the Shelby, NC Housing Landscape

Ready to lay down some roots and buy a house in Shelby? Great idea! You picked an energetic city with a dynamic selection 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 from coast to coast and have the inside scoop on Shelby's housing scene.

Given all of North Carolina's growth, Shelby 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 Shelby area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Shelby and its neighboring areas still offer a wide range of homes in price and amenities. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream home! When looking to buy a house in Shelby, 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. Discovering different parts of Shelby will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Shelby's hottest attractions.

Are you financially prepared to buy a house in Shelby? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in North Carolina or somewhere else entirely. We work with new and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Shelby.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Shelby. Next, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Shelby averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, consider how much you can contribute to a down payment. 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). Even so, the required down payment will depend on the type of loan you get. At this stage, getting prequalified for a loan can be extremely helpful. 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 one of the main factors that lenders look at when considering your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Shelby, 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 Shelby, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Shelby. We're here to help you along 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.*

Mr. Cooper Reviews from Real Customers in Shelby, NC

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