The Process of Buying a Home in North Charleston, SC

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Understanding the North Charleston, SC Housing Landscape

Ready to lay down some roots and buy a house in North Charleston? Great idea! You picked a lively city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers nationwide and know the North Charleston housing market well.

North Charleston is growing by the day, which means North Charleston homes don't always come cheap. Ongoing cultural expansion and economic growth have helped to entice retirees, new businesses, and young families to the North Charleston area, but so much change also means a strain on housing options, school capacities, and city roads. Despite this, North Charleston and its neighboring areas still offer a wide range of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your perfect home! When looking to buy a house in North Charleston, double check that you're factoring in the home's distance from your daily activities. If possible, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Exploring North Charleston will also help you get a feel for how homes in east North Charleston differ from west North Charleston, where to find North Charleston's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in North Charleston, 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. You don't even have to stick with your decision to buy a house in North Charleston. We serve 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 North Charleston.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in North Charleston. After that, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for North Charleston averages will usually give you some solid estimates. 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. A down payment of at least 20% can help increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, the required down payment will depend on the type of loan you get. This is where getting prequalified for a mortgage comes in handy. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, consider your credit profile. Lenders place a high importance on credit history when looking at 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 North Charleston, SC

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like North Charleston, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in North Charleston. We're here to help you along 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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