The Process of Buying a Home in Cayce, SC

Busy? Have us call you back. Call Me Back

More Information

Understanding the Cayce, SC Housing Landscape

Thinking about buying a home in Cayce? Smart move! You've chosen a vibrant 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 serve 3.8 million customers from coast to coast and know the Cayce housing market well.

Cayce'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. Sustained economic growth and cultural expansion have helped to entice entrepreneurs, retirees, and new graduates to the Cayce area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Cayce and the surrounding areas still offer an array of home types and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your perfect home! When buying a home in Cayce, consider the home's location in relation to your everyday activities. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your home's location will influence almost every aspect of your life. Traveling around Cayce will also give you an idea of why homes in west Cayce are priced differently than homes in east Cayce, what the communities are like, and where to find Cayce's coolest attractions.

You're ready to buy a house in Cayce, but is your bank account? 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 could choose to buy a home in South Carolina or elsewhere. We serve experienced homeowners and first-time homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Cayce.

Before anything else, estimate how much house you can afford. This will help determine the price range for your Cayce house hunt. Then, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Searching the web for Cayce 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.

Next, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve your chances of getting a favorable 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, 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 options are always a good thing!

Make Your Move: Buy a Home in Cayce, SC

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 Cayce. Contact Mr. Cooper as you look to buy a home in Cayce. We're here for you from start to finish 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 Cayce, SC

Read actual reviews from actual Mr. Cooper customers in Cayce, SC. Then call us to see how we can help you.

Make buying or selling a Cayce home easier.

Put Mr. Cooper in your corner for a better home buying or selling experience.