The Process of Buying a Home in Grants Pass, OR

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Understanding the Grants Pass, OR Housing Landscape

Thinking about buying a home in Grants Pass? Congratulations! You selected a vibrant city with a great balance of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers across the country and have the inside scoop on Grants Pass's housing scene.

Given all of Oregon's growth, Grants Pass homes aren't always easy to find at a comfortable price. Ongoing support for local businesses and cultural growth have helped to beckon young families, new businesses, and retirees to the Grants Pass area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Grants Pass and the surrounding 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 buying a house in Grants Pass, 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. Traveling around Grants Pass will also give you an idea of why homes in west Grants Pass are priced differently than homes in east Grants Pass, where to find Grants Pass's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Grants Pass, but is your bank account? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe everyone can find their dream home and work to make the journey less worrisome and more rewarding every step of the way. You could choose to buy a home in Oregon or elsewhere. We serve experienced homeowners and first-time homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Grants Pass.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Grants Pass. After that, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. Everyone's situation will differ, but a quick online search for average expenses in Grants Pass 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, look at how much money you can put toward a down payment. Putting at least 20% down will boost your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, the minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. The better your credit is, the more mortgage options you may be presented with— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Grants Pass, OR

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 Grants Pass. Contact Mr. Cooper as you get ready to buy a house in Grants Pass. 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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