The Process of Buying a Home in South Houston, TX

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Understanding the South Houston, TX Housing Landscape

Ready to lay down some roots and buy a house in South Houston? Great idea! You selected an energetic city with a dynamic selection of educational opportunities, businesses, 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 know the South Houston housing market well.

Given all of Texas's growth, South Houston homes aren't always easy to find at a comfortable price. Sustained cultural expansion and economic growth have helped to entice young families, new businesses, and retirees to the South Houston area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, South Houston and its nearby areas still offer a wide range of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your perfect home! When looking to buy a house in South Houston, consider how near or far away the home is from the places you visit most. 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. Traveling around South Houston will also give you an idea of why homes in west South Houston are priced differently than homes in east South Houston, where to find South Houston's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in South Houston, but is your bank account? 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 South Houston. We work with new and experienced homeowners alike. Walk through the following steps to help you see if you're in a good financial position to buy a house in South Houston.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in South Houston. After that, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for South Houston 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.

Then, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can improve your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). Even so, the required down payment will depend on the type of loan you get. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, take a good look at your credit. Credit history is an important part of your mortgage application. You may be presented with more mortgage options if you have healthy credit— and more options are always good!

Make Your Move: Buy a Home in South Houston, TX

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like South Houston. Contact Mr. Cooper as you get ready to buy a house in South Houston. 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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