What to Know Before Buying a Home in Hood River, OR

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Understanding the Hood River, OR Housing Landscape

Thinking about buying a home in Hood River? Great idea! You picked a vibrant city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers from coast to coast and know the Hood River housing market well.

Hood River is growing by the day, which means Hood River homes don't always come cheap. Sustained support for local businesses and cultural growth have helped to attract young families, new businesses, and retirees to the Hood River area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Hood River and its nearby areas still offer an array of home types and prices. You can find single-family homes, condos, townhomes, and (hopefully) your perfect home! When looking to buy a house in Hood River, consider the home's location in relation to your everyday activities. If you can, 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 Hood River will also give you an idea of why homes in west Hood River are priced differently than homes in east Hood River, what the communities are like, and where to find Hood River's coolest attractions.

Are your finances in the right place to buy a home in Hood River? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We think the dream of homeownership should never fade and work to make every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in Oregon or somewhere else entirely. We help first-time homeowners and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Hood River.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Hood River. Next, 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. Searching the web for Hood River averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Now, look at how much money you can put toward a down payment. Putting at least 20% down will improve your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, 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, take a good look at your credit. Credit history is an important part of your mortgage application. The better your credit is, the more mortgage options you may be presented with— and options are always a good thing!

It's Go Time! Buy a House in Hood River, 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 Hood River. Contact Mr. Cooper as you look to buy a home in Hood River. 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.*

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