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The Process of Buying a Home in Johnson City, TN

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Understanding the Johnson City, TN Housing Landscape

Thinking about buying a home in Johnson City? Awesome! You picked a lively city with a dynamic selection of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers across the country and have the inside scoop on Johnson City's housing scene.

Given all of Tennessee's growth, Johnson City homes aren't always easy to find at a comfortable price. Ongoing support for local businesses and cultural growth have helped to attract entrepreneurs, retirees, and new graduates to the Johnson City area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Johnson City and its neighboring areas still offer a wide range of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your dream house! When buying a home in Johnson City, double check that you're factoring in the home's distance from your daily activities. If possible, test drive your trip from the house to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Johnson City will also give you an idea of why homes in west Johnson City are priced differently than homes in east Johnson City, what the communities are like, and where to find Johnson City's coolest attractions.

Are you financially prepared to buy a house in Johnson City? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. 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 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 Johnson City.

First, estimate how much house you can afford. This will help determine the price range for your Johnson City house hunt. 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. Searching the web for Johnson City averages will usually give you a solid estimate, though everyone's situation is different. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, look at how much money you can put toward a down payment. Putting at least 20% down will boost your odds of getting a good 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. This is where getting prequalified for a mortgage comes in handy. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, check your credit. 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 more options are always good!

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

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But when you get to live in a stellar city like Johnson City, moving doesn't seem so challenging. Contact Mr. Cooper as you get ready to buy a house in Johnson City. We're here for you from start to finish 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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