The Process of Buying a Home in Happy Valley, OR

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Get Familiar with the Lay of the Land in Happy Valley, OR

Thinking about buying a home in Happy Valley? Awesome! You've chosen a vibrant 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 across the country and are familiar with the ins-and-outs of the Happy Valley housing market.

Given all of Oregon's growth, Happy Valley homes aren't always easy to find at a comfortable price. Sustained cultural expansion and economic growth have helped to attract entrepreneurs, retirees, and new graduates to the Happy Valley area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Happy Valley and its neighboring areas still offer a variety of home types and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream home! When buying a home in Happy Valley, consider the home's location in relation to your everyday 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. Exploring Happy Valley will also help you get a feel for how homes in east Happy Valley differ from west Happy Valley, what the communities are like, and where to find Happy Valley's coolest attractions.

Are you financially prepared to buy a house in Happy Valley? 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. You don't even have to stick with your decision to buy a house in Happy Valley. We support experienced homeowners and first-time homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Happy Valley.

First, estimate how much house you can afford. This will help determine the price range for your Happy Valley house hunt. Next, map out your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Happy Valley 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, look at how much money you can put toward a down payment. Putting at least 20% down will boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, 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, consider your credit profile. 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 options are always a good thing!

Move Up and Out: Buying Your Dream House in Happy Valley, OR

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 Happy Valley. Contact Mr. Cooper as you prepare to buy a house in Happy Valley. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

Happy Valley, OR Mr. Cooper Customer Reviews

Take it from these Mr. Cooper home buyers and sellers in Happy Valley, OR: We love helping homeowners. Call now to see how we can serve you.

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