Can You Afford to Buy a House in Corpus Christi, TX?

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Money Wise Tips for Affording a Home in Corpus Christi, TX

Help make sure your home isn't a source of financial stress. A great way to ensure that happens is to ready your finances beforehand. Know when you can afford to buy a home in Corpus Christi, and when it might be better to wait until your situation changes. Get started with the following steps and reach out to a Mr. Cooper Mortgage Professional to discuss strategy.

Examine your finances. Look at the whole picture. What are your general thoughts about your savings, current debt, monthly expenses, and credit history? A little "gut check" can go a long way. The best way to begin your Corpus Christi home buying journey is with a healthy credit history, a good handle on your current expenses, and enough savings for a minimum 20% down payment.

Now, let's "put pencil to paper," as they say. Use Mr. Cooper's affordability calculator to see where your budget stands. You can calculate how much house you can afford in Corpus Christi based on income or your desired maximum monthly mortgage payment. Does this number fit your vision? Is it enough to get you into the Corpus Christi home you want? If not, consider buying a house in a surrounding area or boosting your down payment. If it will, then take the next step in the homeownership journey with Mr. Cooper!

It's the right time to prequalify for a house in Corpus Christi. Prequalification is a more formal estimate of how much of a home loan you could get approved for. It's based on some financial information you provide and a credit check. Prequalification is also a chance to learn about your mortgage options and work with your lender to find the right fit. Get started using Mr. Cooper’s online prequalification tool. Let us know where you'd like to buy a home in Corpus Christi, the property type, how you anticipate using the property, and whether or not you're currently working with a real estate professional. Enter your expected purchase price and down payment. Follow that information with a few personal details and you're clicks away from being prequalified. The process is simple and your prequalification lasts 120 days.

When figuring out what it will take to afford to buy a home in Corpus Christi, don't forget to budget your time, too. Minutes and seconds are things you never get back, and finding your perfect house can be time-consuming, especially in Corpus Christi. Turn to a real estate agent in Corpus Christi who takes care of the tedious work for you. You can get connected with a top-performing real estate agent in Corpus Christi and potentially save thousands with Mr. Cooper® Real Estate Rewards.* Try it! Estimate how much you may be able to save on real estate commissions and closing costs with Mr. Cooper’s Real Estate Rewards calculator.

Applying for a home loan is the last step in preparing your finances for a home purchase. You're almost at the finish line! Partner with a home loan servicer like Mr. Cooper, and you'll gain the distinct advantage of one-on-one support all along the way—from loan to closing. Call Mr. Cooper Mortgage Professionals. They know the details of buying a home, inside and out, and will work to find the loan that fits you best.

The house of your dreams is waiting for you and your loved ones. Call now and let us help you ready your finances to buy a house in Corpus Christi. Let's get you started on your path to homeownership!

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