The Process of Buying a Home in Carrollton, TX

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Get Familiar with the Lay of the Land in Carrollton, TX

Strongly considering a home purchase in Carrollton? Great idea! You selected a lively city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers nationwide and have the inside scoop on Carrollton's housing scene.

Carrollton is growing by the day, which means Carrollton homes don't always come cheap. Sustained cultural expansion and economic growth have helped to entice entrepreneurs, retirees, and new graduates to the Carrollton area, but so much change also means more traffic, more competition, and a need for more schools. That said, Carrollton and the surrounding areas still offer a variety of homes in price and amenities. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your dream house! When buying a house in Carrollton, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your trip from the house to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Traveling around Carrollton will also give you an idea of why homes in west Carrollton are priced differently than homes in east Carrollton, what the neighborhoods are like, and where to find Carrollton's hottest attractions.

Are your finances in the right place to buy a home in Carrollton? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive 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 Texas or somewhere else entirely. We support new 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 Carrollton.

Before anything else, calculate how much house you can afford. This will help determine the price range for your Carrollton house hunt. Next, jot down 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 Carrollton 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, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve 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. 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, consider your credit profile. Credit history is one of the main factors that lenders look at when considering your mortgage application. The healthier your credit is, the more mortgage options you may have open to you— and more options are always good!

Move Up and Out: Buying Your Dream House in Carrollton, TX

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Carrollton. Contact Mr. Cooper as you look to buy a home in Carrollton. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even connect you with a high-performing real estate agent who may be able to help you save thousands.*

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