The Process of Buying a Home in Ashland, OR

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Exploring Ashland, OR From North to South

Ready to lay down some roots and buy a house in Ashland? Congratulations! You selected a colorful 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 service 3.8 million customers nationwide and are familiar with the ins-and-outs of the Ashland housing market.

Given all of Oregon's growth, Ashland homes aren't always easy to find at a comfortable price. Continued support for local businesses and cultural growth have helped to entice young families, new businesses, and retirees to the Ashland area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Ashland and its neighboring areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When looking to buy a house in Ashland, double check that you're factoring in the home's distance from your daily activities. If possible, test drive your route to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Discovering different parts of Ashland will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Ashland's hottest attractions.

Are your finances in the right place to buy a home in Ashland? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive and try our best to make the journey easier and more rewarding. You could choose to buy a home in Oregon or elsewhere. We serve first-time homeowners and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Ashland.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Ashland. Then, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Ashland 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.

Then, figure out what a realistic down payment would be for you. A down payment of at least 20% can help 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. 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 an important part of 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 Ashland, OR

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 Ashland. Contact Mr. Cooper as you look to buy a home in Ashland. 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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