What to Know Before Buying a Home in Camden, SC

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

Strongly considering a home purchase in Camden? Awesome! You've chosen an energetic city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers from coast to coast and know the Camden housing market well.

Camden is growing by the day, which means Camden homes don't always come cheap. Sustained cultural expansion and economic growth have helped to entice retirees, new businesses, and young families to the Camden area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Camden and its neighboring areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When buying a home in Camden, 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 home's location will influence almost every aspect of your life. Exploring Camden will also help you get a feel for how homes in east Camden differ from west Camden, what the neighborhoods are like, and where to find Camden's hottest attractions.

Are you financially prepared to buy a house in Camden? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade 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 Camden. We work with experienced homeowners and first-time homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Camden.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in Camden. Next, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Searching the web for Camden averages will usually give you a solid estimate, though everyone's situation is different. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Next, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can increase 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. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Credit history is an important part of 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 Camden, SC

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Camden. Contact Mr. Cooper as you prepare to buy a house in Camden. 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.*

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