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The Process of Buying a Home in La Follette, TN

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Get Familiar with the Lay of the Land in La Follette, TN

Strongly considering a home purchase in La Follette? Smart move! You've chosen a colorful city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We support 3.8 million customers nationwide and are familiar with the ins-and-outs of the La Follette housing market.

La Follette'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. Continued support for local businesses and cultural growth have helped to entice entrepreneurs, retirees, and new graduates to the La Follette area, but so much change also means a strain on housing options, school capacities, and city roads. Even so, La Follette and its neighboring areas still offer a wide range of home types and prices. You can find single-family homes, condos, townhomes, and (hopefully) your perfect home! When buying a home in La Follette, consider the home's location in relation to your everyday 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. Discovering different parts of La Follette will help you see how the northern part differs from the southern part, where to find La Follette's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in La Follette, but is your bank account? 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 try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in Tennessee or somewhere else entirely. We work with new and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in La Follette.

First, estimate how much house you can afford. This will help you set a price range while house shopping in La Follette. After that, add up the potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in La Follette will usually point you in the right direction. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Then, look at how much money you can put toward a down payment. Placing a minimum of 20% down can increase 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. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, take a good look at your credit. Credit history is an important part of your mortgage application. The better your credit is, the more mortgage options you may be presented with— and options are always a good thing!

Move Up and Out: Buying Your Dream House in La Follette, TN

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 La Follette. Contact Mr. Cooper as you get ready to buy a house in La Follette. We're here for you from start to finish 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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Simplify the home buying or selling process in La Follette 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.