What to Know Before Buying a Home in Sidney, OH

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Get Familiar with the Lay of the Land in Sidney, OH

Ready to lay down some roots and buy a house in Sidney? Awesome! You picked a colorful city with a great balance of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers across the country and are familiar with the ins-and-outs of the Sidney housing market.

Given all of Ohio's growth, Sidney homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to attract young families, new businesses, and retirees to the Sidney area, but so much change also means more traffic, more competition, and a need for more schools. That said, Sidney and its nearby areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (ideally) your dream house! When buying a house in Sidney, 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 Sidney will also give you an idea of why homes in west Sidney are priced differently than homes in east Sidney, what the neighborhoods are like, and where to find Sidney's hottest attractions.

Are you financially prepared to buy a house in Sidney? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. 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 Ohio or elsewhere. We work with new and experienced homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Sidney.

First, estimate how much house you can afford. This will help you set a price range while house shopping in Sidney. Then, 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 Sidney 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.

Next, look at how much money you can put toward 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, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Getting prequalified will give you an idea of how much you might qualify to borrow. 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 Sidney, 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 Sidney, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Sidney. We're here for you every step of the way and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

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