What to Know Before Buying a Home in Hummelstown, PA

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Understanding the Hummelstown, PA Housing Landscape

Strongly considering a home purchase in Hummelstown? Congratulations! You've chosen an energetic city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers across the country and are familiar with the ins-and-outs of the Hummelstown housing market.

Hummelstown is growing by the day, which means Hummelstown homes don't always come cheap. Ongoing cultural expansion and economic growth have helped to entice entrepreneurs, retirees, and new graduates to the Hummelstown area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, Hummelstown 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 (fingers-crossed) your dream house! When buying a house in Hummelstown, 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. Discovering different parts of Hummelstown will help you see how the northern part differs from the southern part, where to find Hummelstown's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Hummelstown? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. 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 Pennsylvania or elsewhere. We serve new and experienced homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Hummelstown.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Hummelstown. Next, add up the potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Searching the web for Hummelstown averages will usually give you a solid estimate, though everyone's situation is different. 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. A down payment of at least 20% can help increase your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. This is where getting prequalified for a mortgage comes in handy. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, take a good look at 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 more options are always good!

It's Go Time! Buy a House in Hummelstown, PA

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Hummelstown. Contact Mr. Cooper as you look to buy a home in Hummelstown. 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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