What to Know Before Buying a Home in Keller, TX

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Exploring Keller, TX From North to South

Strongly considering a home purchase in Keller? Great idea! You picked a colorful city with a great balance of educational opportunities, businesses, and parks, and we're here to help the home purchase process go a little smoother. We support 3.8 million customers across the country and are familiar with the ins-and-outs of the Keller housing market.

Keller'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. Ongoing support for local businesses and cultural growth have helped to entice entrepreneurs, retirees, and new graduates to the Keller area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Keller and the surrounding areas still offer an array of home types and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your dream house! When buying a house in Keller, 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. The location of your house will impact virtually every part of your life. Exploring Keller will also help you get a feel for how homes in east Keller differ from west Keller, where to find Keller's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Keller? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. 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. You don't even have to stick with your decision to buy a house in Keller. We help first-time homeowners and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Keller.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Keller. Next, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Keller averages will usually give you some solid estimates. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Now, consider how much you can contribute to a down payment. Putting at least 20% down will increase your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. At this stage, getting prequalified for a loan can be extremely helpful. 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 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 who doesn't want more choices in life?

Make Your Move: Buy a Home in Keller, TX

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Keller, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Keller. We're here for you from start to finish 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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