The Process of Buying a Home in Killeen, TX

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Exploring Killeen, TX From North to South

Strongly considering a home purchase in Killeen? Congratulations! You picked a lively city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We serve 3.8 million customers across the country and have the inside scoop on Killeen's housing scene.

Given all of Texas's growth, Killeen homes aren't always easy to find at a comfortable price. Sustained cultural expansion and economic growth have helped to beckon entrepreneurs, retirees, and new graduates to the Killeen area, but so much change also means a strain on housing options, school capacities, and city roads. That said, Killeen and its nearby areas still offer an array of homes in price and amenities. You can find single-family homes, condos, townhomes, and (ideally) your perfect home! When buying a home in Killeen, 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 home's location will influence almost every aspect of your life. Exploring Killeen will also help you get a feel for how homes in east Killeen differ from west Killeen, what the neighborhoods are like, and where to find Killeen's hottest attractions.

You're ready to buy a house in Killeen, 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 work to make every stage of the journey more enjoyable and less worrisome. It doesn't matter whether you want to buy a home in Texas 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 Killeen.

First, estimate how much house you can afford. This will help determine the price range for your Killeen house hunt. After that, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Killeen will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Now, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can boost your chances of getting a favorable 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 helps you know how much you might be eligible to borrow from a lender. 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 options are always a good thing!

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

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 Killeen. Contact Mr. Cooper as you prepare to buy a house in Killeen. We're here to help you along the way 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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