What to Know Before Buying a Home in Pittsburgh, PA

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Exploring Pittsburgh, PA From North to South

Thinking about buying a home in Pittsburgh? Congratulations! You selected an energetic city with a great balance of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers nationwide and are familiar with the ins-and-outs of the Pittsburgh housing market.

Pittsburgh is growing by the day, which means Pittsburgh homes don't always come cheap. Ongoing cultural expansion and economic growth have helped to attract retirees, new businesses, and young families to the Pittsburgh area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Pittsburgh and its neighboring areas still offer a wide range of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream home! When buying a house in Pittsburgh, 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. Your house's location will affect everything, from your morning routine to how you spend your evenings. Discovering different parts of Pittsburgh will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Pittsburgh's hottest attractions.

You're ready to buy a house in Pittsburgh, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We think the dream of homeownership should never fade 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 Pittsburgh. We help new and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Pittsburgh.

Before anything else, estimate how much house you can afford. This will help you set a price range while house shopping in Pittsburgh. After that, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. Searching the web for Pittsburgh averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Now, figure out what a realistic down payment would be for you. Putting at least 20% down will increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. Here's where it can help to get prequalified for a mortgage. 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 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!

Make Your Move: Buy a Home in Pittsburgh, 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 Pittsburgh, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Pittsburgh. We're here for you from start to finish 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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