The Process of Buying a Home in Summerville, SC

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

Ready to lay down some roots and buy a house in Summerville? Smart move! You've chosen an energetic city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers across the country and have the inside scoop on Summerville's housing scene.

Given all of South Carolina's growth, Summerville 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 Summerville area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Summerville and its neighboring areas still offer a wide range of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream house! When looking to buy a house in Summerville, 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 house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Summerville will also help you get a feel for how homes in east Summerville differ from west Summerville, what the communities are like, and where to find Summerville's coolest attractions.

Are your finances in the right place to buy a home in Summerville? 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 could choose to buy a home in South Carolina or elsewhere. We work with 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 Summerville.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Summerville. Next, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Summerville will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, consider how much you can contribute to a down payment. Putting at least 20% down will boost your chances of getting a favorable 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. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. You may be presented with more mortgage options if you have healthy credit— and more options are always good!

Move Up and Out: Buying Your Dream House in Summerville, 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 moving can also be incredibly rewarding, especially when you get to live in an amazing city like Summerville. Contact Mr. Cooper as you look to buy a home in Summerville. We're here for you every step of 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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