All About Buying a House in Hayes, VA

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Get Familiar with the Lay of the Land in Hayes, VA

Strongly considering a home purchase in Hayes? Congratulations! You've chosen a colorful city with a dynamic selection 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 from coast to coast and have the inside scoop on Hayes's housing scene.

Hayes is growing by the day, which means Hayes homes don't always come cheap. Ongoing economic growth and cultural expansion have helped to beckon retirees, new businesses, and young families to the Hayes area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Hayes and its nearby areas still offer a wide range of home styles and prices. You can find single-family homes, condos, townhomes, and (fingers-crossed) your perfect home! When buying a home in Hayes, double check that you're factoring in the home's distance from your daily activities. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your home's location will influence almost every aspect of your life. Traveling around Hayes will also give you an idea of why homes in west Hayes are priced differently than homes in east Hayes, where to find Hayes's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Hayes, but is your bank account? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe everyone can find their dream home and work to make every stage of the journey more enjoyable and less worrisome. You could choose to buy a home in Virginia or elsewhere. We serve new and experienced homeowners alike. Start with the following steps to help you see if you're in a good financial position to buy a house in Hayes.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in Hayes. Next, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. Searching the web for Hayes averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Next, consider how much you can contribute to a down payment. A down payment of at least 20% can help improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, the minimum down payment requirements depend on the type of loan. Here's where it can help to get prequalified for a mortgage. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, consider your credit profile. Credit history is an important part of 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 Hayes, VA

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 Hayes. Contact Mr. Cooper as you look to buy a home in Hayes. 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.*

Hayes, VA Mr. Cooper Customer Reviews

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