What to Know Before Buying a Home in Jefferson, OR

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Get Familiar with the Lay of the Land in Jefferson, OR

Thinking about buying a home in Jefferson? Great idea! You've chosen 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 across the country and know the Jefferson housing market well.

Given all of Oregon's growth, Jefferson homes aren't always easy to find at a comfortable price. Ongoing cultural expansion and economic growth have helped to entice entrepreneurs, retirees, and new graduates to the Jefferson area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Jefferson and the surrounding areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your dream house! When buying a home in Jefferson, consider how near or far away the home is from the places you visit most. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Discovering different parts of Jefferson will help you see how the northern part differs from the southern part, where to find Jefferson's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Jefferson? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. 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 support new and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Jefferson.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Jefferson. Then, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Searching the web for Jefferson averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Then, consider how much you can contribute to a down payment. A down payment of at least 20% can help improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, the required down payment will depend on the type of loan you get. 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, check your credit. 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!

It's Go Time! Buy a House in Jefferson, OR

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like Jefferson. Contact Mr. Cooper as you look to buy a home in Jefferson. We're here for you every step of the way 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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