All About Buying a House in Aiken, SC

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Get Familiar with the Lay of the Land in Aiken, SC

Ready to lay down some roots and buy a house in Aiken? Awesome! You selected a colorful city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers across the country and have the inside scoop on Aiken's housing scene.

Aiken'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. Continued support for local businesses and cultural growth have helped to attract retirees, new businesses, and young families to the Aiken area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Aiken and its nearby areas still offer a wide range of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When buying a house in Aiken, consider how near or far away the home is from the places you visit most. If possible, 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. Traveling around Aiken will also give you an idea of why homes in west Aiken are priced differently than homes in east Aiken, where to find Aiken's most popular attractions, and what the neighborhoods are like.

Are your finances in the right place to buy a home in Aiken? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe in keeping the dream of homeownership alive 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 Aiken. We work with new and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in Aiken.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Aiken. After that, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Aiken will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, look at how much money you can put toward a down payment. Placing a minimum of 20% down can boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. Prequalification points you in the right direction as far as how much you may be eligible 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 healthier your credit is, the more mortgage options you may have open to you— and options are always a good thing!

It's Go Time! Buy a House in Aiken, SC

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 moving can also be incredibly rewarding, especially when you get to live in an amazing city like Aiken. Contact Mr. Cooper as you prepare to buy a house in Aiken. We're here for you every step of 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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