All About Buying a House in Surfside Beach, SC

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Get Familiar with the Lay of the Land in Surfside Beach, SC

Thinking about buying a home in Surfside Beach? Great idea! 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 service 3.8 million customers nationwide and know the Surfside Beach housing market well.

Surfside Beach'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. Ongoing economic growth and cultural expansion have helped to attract young families, new businesses, and retirees to the Surfside Beach area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Surfside Beach and its neighboring areas still offer a wide range of home types and prices. You can find single-family homes, condos, townhomes, and (ideally) your perfect home! When looking to buy a house in Surfside Beach, consider how near or far away the home is from the places you visit most. 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. Traveling around Surfside Beach will also give you an idea of why homes in west Surfside Beach are priced differently than homes in east Surfside Beach, what the communities are like, and where to find Surfside Beach's coolest attractions.

Are you financially prepared to buy a house in Surfside Beach? 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 work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in South Carolina or somewhere else entirely. We work with first-time homeowners and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Surfside Beach.

Before anything else, calculate how much house you can afford. This will help you narrow your search when house hunting in Surfside Beach. Then, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Surfside Beach averages will usually give you some solid estimates. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Now, consider how much you can contribute to a down payment. A down payment of at least 20% can help improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). That said, 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 will give you an idea of how much you might qualify to borrow. Also, check your credit. Lenders place a high importance on credit history when looking at your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Make Your Move: Buy a Home in Surfside Beach, 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 Surfside Beach, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Surfside Beach. 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.*

Mr. Cooper Customer Reviews for Surfside Beach, SC

Read real stories from real Mr. Cooper home buyers and sellers in Surfside Beach, SC. Then contact us to see what we can do for you.

Buying or selling a house in Surfside Beach? Mr. Cooper makes it easier.

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