The Process of Buying a Home in Wilson, NC

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Understanding the Wilson, NC Housing Landscape

Strongly considering a home purchase in Wilson? Awesome! You selected 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 service 3.8 million customers nationwide and have the inside scoop on Wilson's housing scene.

Given all of North Carolina's growth, Wilson homes aren't always easy to find at a comfortable price. Ongoing cultural expansion and economic growth have helped to entice retirees, new businesses, and young families to the Wilson area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Wilson and the surrounding areas still offer a wide range of home types and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When buying a house in Wilson, consider how near or far away the home is from the places you visit most. If you can, test drive your trip from the house 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 Wilson will also help you get a feel for how homes in east Wilson differ from west Wilson, what the communities are like, and where to find Wilson's coolest attractions.

Are you financially prepared to buy a house in Wilson? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. 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 help new and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Wilson.

First, estimate how much house you can afford. This will help determine the price range for your Wilson house hunt. Next, map out 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 Wilson will usually point you in the right direction. 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. Putting at least 20% down will improve 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. 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, consider your credit profile. Lenders place a high importance on credit history when looking at 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 Wilson, 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 Wilson. Contact Mr. Cooper as you look to buy a home in Wilson. 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.*

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Simplify the home buying or selling process in Wilson 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.