What to Know Before Buying a Home in Waynesboro, PA

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Get Familiar with the Lay of the Land in Waynesboro, PA

Strongly considering a home purchase in Waynesboro? Great idea! You picked a colorful city with a great balance 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 nationwide and are familiar with the ins-and-outs of the Waynesboro housing market.

Waynesboro is growing by the day, which means Waynesboro homes don't always come cheap. Continued cultural expansion and economic growth have helped to attract young families, new businesses, and retirees to the Waynesboro area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Waynesboro and the surrounding areas still offer a variety of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your perfect home! When buying a house in Waynesboro, double check that you're factoring in the home's distance from your daily activities. If you can, 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. Exploring Waynesboro will also help you get a feel for how homes in east Waynesboro differ from west Waynesboro, where to find Waynesboro's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Waynesboro? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and try our best to make the journey easier and more rewarding. You don't even have to stick with your decision to buy a house in Waynesboro. We serve first-time homeowners 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 Waynesboro.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in Waynesboro. 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 Waynesboro 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. Putting at least 20% down will 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. Here's where it can help to get prequalified for a mortgage. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, take a good look at 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 more options are always good!

Move Up and Out: Buying Your Dream House in Waynesboro, 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 Waynesboro. Contact Mr. Cooper as you look to buy a home in Waynesboro. We're here to help you along 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.*

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