All About Buying a House in Statesville, NC

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

Ready to lay down some roots and buy a house in Statesville? Great idea! You've chosen a colorful city with a great balance 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 nationwide and are familiar with the ins-and-outs of the Statesville housing market.

Statesville is growing by the day, which means Statesville homes don't always come cheap. Continued cultural expansion and economic growth have helped to beckon entrepreneurs, retirees, and new graduates to the Statesville area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Statesville 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 house! When looking to buy a house in Statesville, 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 house's location will affect everything, from your morning routine to how you spend your evenings. Traveling around Statesville will also give you an idea of why homes in west Statesville are priced differently than homes in east Statesville, where to find Statesville's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Statesville? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade 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 serve first-time homeowners and experienced homeowners alike. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in Statesville.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Statesville. After that, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Statesville 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, consider how much you can contribute to a down payment. Putting at least 20% down will improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. This is where getting prequalified for a mortgage comes in handy. 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 better your credit is, the more mortgage options you may be presented with— and who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Statesville, NC

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Statesville. Contact Mr. Cooper as you prepare to buy a house in Statesville. 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.*

Statesville, NC Mr. Cooper Customer Reviews

Take it from these Mr. Cooper home buyers and sellers in Statesville, NC: We love helping homeowners. Call now to see how we can serve you.

Simplify the home buying or selling process in Statesville with Mr. Cooper.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.