What to Know Before Buying a Home in Hilliard, OH

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Understanding the Hilliard, OH Housing Landscape

Ready to lay down some roots and buy a house in Hilliard? Smart move! You've chosen an energetic city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Hilliard housing market.

Hilliard's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Continued cultural expansion and economic growth have helped to beckon young families, new businesses, and retirees to the Hilliard area, but so much change also means more traffic, more competition, and a need for more schools. That said, Hilliard and the surrounding areas still offer a variety of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your perfect home! When looking to buy a house in Hilliard, consider the home's location in relation to your everyday activities. If possible, 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. Traveling around Hilliard will also give you an idea of why homes in west Hilliard are priced differently than homes in east Hilliard, where to find Hilliard's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Hilliard? 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 Ohio or elsewhere. We support new and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Hilliard.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Hilliard. After that, add up the potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Hilliard 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, look at how much money you can put toward a down payment. Putting at least 20% down will increase your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. 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 an important part of 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 Hilliard, OH

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 when you get to live in a stellar city like Hilliard, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Hilliard. 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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