All About Buying a House in Harrisburg, PA

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Exploring Harrisburg, PA From North to South

Strongly considering a home purchase in Harrisburg? Smart move! You selected an energetic city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers nationwide and are familiar with the ins-and-outs of the Harrisburg housing market.

Harrisburg'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 support for local businesses and cultural growth have helped to entice entrepreneurs, retirees, and new graduates to the Harrisburg area, but so much change also means more traffic, more competition, and a need for more schools. That said, Harrisburg and its neighboring areas still offer a wide range of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When buying a home in Harrisburg, double check that you're factoring in the home's distance from your daily activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Exploring Harrisburg will also help you get a feel for how homes in east Harrisburg differ from west Harrisburg, what the neighborhoods are like, and where to find Harrisburg's hottest attractions.

You're ready to buy a house in Harrisburg, but is your bank account? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe everyone can find their dream home 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 Pennsylvania or somewhere else entirely. We serve 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 Harrisburg.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Harrisburg. Then, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Harrisburg 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 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. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, consider your credit profile. 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 more options are always good!

Make Your Move: Buy a Home in Harrisburg, PA

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 Harrisburg, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Harrisburg. We're here to help you along 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.*

Harrisburg, PA Mr. Cooper Customer Reviews

Read real stories from real Mr. Cooper home buyers and sellers in Harrisburg, PA. Then contact us to see what we can do for you.

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