All About Buying a House in Westerville, OH

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Understanding the Westerville, OH Housing Landscape

Thinking about buying a home in Westerville? Smart move! You selected a vibrant city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers from coast to coast and have the inside scoop on Westerville's housing scene.

Given all of Ohio's growth, Westerville homes aren't always easy to find at a comfortable price. Ongoing economic growth and cultural expansion have helped to beckon entrepreneurs, retirees, and new graduates to the Westerville area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Westerville and its neighboring areas still offer a wide range of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your dream home! When buying a house in Westerville, consider how near or far away the home is from the places you visit most. If possible, test drive your trip from the house to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Traveling around Westerville will also give you an idea of why homes in west Westerville are priced differently than homes in east Westerville, what the neighborhoods are like, and where to find Westerville's hottest attractions.

You're ready to buy a house in Westerville, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in Ohio or somewhere else entirely. We serve 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 Westerville.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Westerville house hunt. Then, jot down 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 Westerville 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.

Now, consider how much you can contribute to a down payment. Placing a minimum of 20% down can boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. Here's where it can help to get prequalified for a mortgage. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, take a good look at your credit. Lenders place a high importance on credit history when looking at 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?

Move Up and Out: Buying Your Dream House in Westerville, OH

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Westerville. Contact Mr. Cooper as you look to buy a home in Westerville. 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.*

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