The Process of Buying a Home in Hartsville, SC

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Understanding the Hartsville, SC Housing Landscape

Thinking about buying a home in Hartsville? Awesome! You've chosen an energetic city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Hartsville housing market.

Hartsville is growing by the day, which means Hartsville homes don't always come cheap. Ongoing cultural expansion and economic growth have helped to beckon young families, new businesses, and retirees to the Hartsville area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Hartsville and its neighboring areas still offer a variety of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When buying a house in Hartsville, consider the home's location in relation to your everyday activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Hartsville will also help you get a feel for how homes in east Hartsville differ from west Hartsville, where to find Hartsville's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Hartsville, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in South Carolina or somewhere else entirely. We serve first-time homeowners and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Hartsville.

First, calculate how much house you can afford. This will help determine the price range for your Hartsville house hunt. After that, 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. While everyone's situation is different, an online search for Hartsville 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, figure out what a realistic down payment would be for you. A down payment of at least 20% can help improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). Even so, the minimum down payment requirements depend on the type of loan. Here's where it can help to get prequalified for a mortgage. 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. Credit history is one of the main factors that lenders look at when considering your mortgage application. The better your credit is, the more mortgage options you may be presented with— and options are always a good thing!

Move Up and Out: Buying Your Dream House in Hartsville, 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 when you get to live in a stellar city like Hartsville, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Hartsville. 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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