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The Process of Buying a Home in Columbia, TN

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Get Familiar with the Lay of the Land in Columbia, TN

Thinking about buying a home in Columbia? Great idea! You've chosen a lively city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers across the country and know the Columbia housing market well.

Given all of Tennessee's growth, Columbia homes aren't always easy to find at a comfortable price. Sustained support for local businesses and cultural growth have helped to attract young families, new businesses, and retirees to the Columbia area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Columbia and its nearby areas still offer a variety of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your perfect home! When buying a house in Columbia, 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 house's location will affect everything, from your morning routine to how you spend your evenings. Traveling around Columbia will also give you an idea of why homes in west Columbia are priced differently than homes in east Columbia, where to find Columbia's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Columbia, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. 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 Tennessee or somewhere else entirely. We help first-time homeowners and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Columbia.

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

Next, look at how much money you can put toward 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). Even so, the minimum down payment requirements depend on the type of loan. 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. 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 more options are always good!

It's Go Time! Buy a House in Columbia, TN

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Columbia. Contact Mr. Cooper as you prepare to buy a house in Columbia. 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.*

Mr. Cooper Reviews from Real Customers in Columbia, TN

Take it from these Mr. Cooper home buyers and sellers in Columbia, TN: We love helping homeowners. Call now to see how we can serve you.

Simplify the home buying or selling process in Columbia with Mr. Cooper.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.