All About Buying a House in Pendleton, OR

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

Ready to lay down some roots and buy a house in Pendleton? Congratulations! You picked an energetic 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 serve 3.8 million customers nationwide and are familiar with the ins-and-outs of the Pendleton housing market.

Pendleton's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Ongoing economic growth and cultural expansion have helped to entice entrepreneurs, retirees, and new graduates to the Pendleton area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Pendleton and the surrounding areas still offer a variety of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your perfect home! When buying a home in Pendleton, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Pendleton will also give you an idea of why homes in west Pendleton are priced differently than homes in east Pendleton, what the neighborhoods are like, and where to find Pendleton's hottest attractions.

Are you financially prepared to buy a house in Pendleton? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade and work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in Oregon or somewhere else entirely. 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 Pendleton.

Before anything else, estimate how much house you can afford. This will help determine the price range for your Pendleton house hunt. Then, add up the potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Pendleton averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, consider how much you can contribute to a down payment. Putting at least 20% down will improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. Here's where it can help to get prequalified for a mortgage. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, consider your credit profile. Lenders place a high importance on credit history when looking at your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

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

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Pendleton, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Pendleton. We're here for you every step of 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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