The Process of Buying a Home in Roseburg, OR

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

Ready to lay down some roots and buy a house in Roseburg? Great idea! You selected a vibrant city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers from coast to coast and have the inside scoop on Roseburg's housing scene.

Roseburg'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. Sustained economic growth and cultural expansion have helped to entice young families, new businesses, and retirees to the Roseburg area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Roseburg and the surrounding areas still offer a variety of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (fingers-crossed) your perfect home! When buying a house in Roseburg, double check that you're factoring in the home's distance from your daily activities. If possible, 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 Roseburg will also give you an idea of why homes in west Roseburg are priced differently than homes in east Roseburg, what the neighborhoods are like, and where to find Roseburg's hottest attractions.

Are your finances in the right place to buy a home in Roseburg? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home and work to make every stage of the journey more enjoyable and less worrisome. You don't even have to stick with your decision to buy a house in Roseburg. We work with new 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 Roseburg.

First, estimate how much house you can afford. This will help you set a price range while house shopping in Roseburg. After that, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Roseburg averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, consider how much you can contribute to a down payment. A down payment of at least 20% can help boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, consider your credit profile. Credit history is one of the main factors that lenders look at when considering 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 Roseburg, 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 Roseburg, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Roseburg. We're here for you every step of the way and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

Mr. Cooper Customer Reviews for Roseburg, OR

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