What to Know Before Buying a Home in Zebulon, NC

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Exploring Zebulon, NC From North to South

Ready to lay down some roots and buy a house in Zebulon? Awesome! You selected a vibrant city with an ideal amount 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 from coast to coast and have the inside scoop on Zebulon's housing scene.

Zebulon is growing by the day, which means Zebulon homes don't always come cheap. Continued economic growth and cultural expansion have helped to attract entrepreneurs, retirees, and new graduates to the Zebulon area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Zebulon and its neighboring areas still offer a wide range of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your dream house! When looking to buy a house in Zebulon, 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. Discovering different parts of Zebulon will help you see how the northern part differs from the southern part, what the communities are like, and where to find Zebulon's coolest attractions.

Are you financially prepared to buy a house in Zebulon? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe in keeping the dream of homeownership alive 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 support first-time homeowners and experienced homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Zebulon.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Zebulon. Then, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Zebulon will usually point you in the right direction. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Then, figure out what a realistic down payment would be for you. Putting at least 20% down will increase your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, check 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 more options are always good!

Move Up and Out: Buying Your Dream House in Zebulon, 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 Zebulon. Contact Mr. Cooper as you get ready to buy a house in Zebulon. We're here for you every step of the way and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

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