What to Know Before Buying a Home in Keizer, OR

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Understanding the Keizer, OR Housing Landscape

Strongly considering a home purchase in Keizer? Awesome! You've chosen a lively city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers nationwide and know the Keizer housing market well.

Given all of Oregon's growth, Keizer homes aren't always easy to find at a comfortable price. Ongoing cultural expansion and economic growth have helped to beckon retirees, new businesses, and young families to the Keizer area, but so much change also means more traffic, more competition, and a need for more schools. That said, Keizer and its nearby areas still offer a wide range of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When looking to buy a house in Keizer, double check that you're factoring in the home's distance from your daily activities. If you can, 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 Keizer will also give you an idea of why homes in west Keizer are priced differently than homes in east Keizer, what the communities are like, and where to find Keizer's coolest attractions.

Are you financially prepared to buy a house in Keizer? 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 work to make every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in Oregon or elsewhere. We work with 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 Keizer.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Keizer house hunt. Then, add up the 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 Keizer will usually point you in the right direction. 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 boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, 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. 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 Keizer, 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 feels more rewarding when you get to live in a place like Keizer. Contact Mr. Cooper as you look to buy a home in Keizer. We're here to help you along the way 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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