What to Know Before Buying a Home in York, PA

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Exploring York, PA From North to South

Ready to lay down some roots and buy a house in York? Congratulations! You've chosen a colorful city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers nationwide and are familiar with the ins-and-outs of the York housing market.

York is growing by the day, which means York homes don't always come cheap. Continued support for local businesses and cultural growth have helped to attract entrepreneurs, retirees, and new graduates to the York area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, York and the surrounding areas still offer a variety of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your dream house! When buying a house in York, consider how near or far away the home is from the places you visit most. 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. Traveling around York will also give you an idea of why homes in west York are priced differently than homes in east York, where to find York's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in York? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive 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 support 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 York.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in York. Next, add up the 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 York averages will usually give you some solid estimates. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household 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 great rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, consider your credit profile. 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 who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in York, 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 York, moving doesn't seem so challenging. Contact Mr. Cooper as you look to buy a home in York. We're here for you every step of the way and Mr. Cooper® Real Estate Rewards can even connect you with a top-performing real estate agent who can potentially save you thousands.*

Mr. Cooper Customer Reviews for York, PA

Take it from these Mr. Cooper home buyers and sellers in York, PA: We love helping homeowners. Call now to see how we can serve you.

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