The Process of Buying a Home in Ridgeland, SC

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

Strongly considering a home purchase in Ridgeland? Awesome! You picked a colorful city with a great balance of educational opportunities, businesses, and parks, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers from coast to coast and have the inside scoop on Ridgeland's housing scene.

Given all of South Carolina's growth, Ridgeland homes aren't always easy to find at a comfortable price. Sustained support for local businesses and cultural growth have helped to beckon young families, new businesses, and retirees to the Ridgeland area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Ridgeland and the surrounding areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (ideally) your dream home! When buying a house in Ridgeland, double check that you're factoring in the home's distance from your daily activities. If possible, drive the route you'd take from the house to your school, office, and favorite hangout spot. The location of your house will impact virtually every part of your life. Traveling around Ridgeland will also give you an idea of why homes in west Ridgeland are priced differently than homes in east Ridgeland, where to find Ridgeland's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Ridgeland? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We think the dream of homeownership should never fade and work to make every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in South Carolina or somewhere else entirely. We support first-time homeowners and experienced homeowners alike. Read through the following steps to help you see if you're in a good financial position to buy a house in Ridgeland.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Ridgeland. Next, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Ridgeland will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Now, consider how much you can contribute to a down payment. A down payment of at least 20% can help increase your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, the required down payment will depend on the type of loan you get. 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, consider your credit profile. Credit history is an important part of your mortgage application. You may be presented with more mortgage options if you have healthy credit— and who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Ridgeland, SC

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving feels more rewarding when you get to live in a place like Ridgeland. Contact Mr. Cooper as you get ready to buy a house in Ridgeland. We're here to help you along 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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