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What to Know Before Buying a Home in Shippensburg, PA

Shippensburg is changing every day. Get the information you need to make your best move. Learn more about buying a house in Shippensburg, PA.

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Exploring Shippensburg, PA From North to South

Thinking about buying a home in Shippensburg? Smart move! You selected an energetic city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Shippensburg housing market.

Shippensburg'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 cultural expansion and economic growth have helped to entice young families, new businesses, and retirees to the Shippensburg area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Shippensburg and its neighboring areas still offer a wide range of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream home! When buying a home in Shippensburg, consider the home's location in relation to your everyday activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Discovering different parts of Shippensburg will help you see how the northern part differs from the southern part, where to find Shippensburg's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Shippensburg, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and work to make the journey less worrisome and more rewarding every step of the way. You don't even have to stick with your decision to buy a house in Shippensburg. We help 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 Shippensburg.

First, estimate how much house you can afford. This will help determine the price range for your Shippensburg house hunt. Next, 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. Searching the web for Shippensburg 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, look at how much money you can put toward a down payment. A down payment of at least 20% can help increase your chances of getting a favorable 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. 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, check your credit. Lenders place a high importance on credit history when looking at your mortgage application. The better your credit is, the more mortgage options you may be presented with— and who doesn't want more choices in life?

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

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But when you get to live in a stellar city like Shippensburg, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Shippensburg. 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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