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What to Know Before Buying a Home in Pulaski, VA

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Understanding the Pulaski, VA Housing Landscape

Strongly considering a home purchase in Pulaski? Smart move! You picked a lively city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers from coast to coast and have the inside scoop on Pulaski's housing scene.

Pulaski is growing by the day, which means Pulaski homes don't always come cheap. Ongoing support for local businesses and cultural growth have helped to beckon young families, new businesses, and retirees to the Pulaski area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Pulaski and its nearby areas still offer a wide range of homes in price and amenities. You can find single-family homes, condos, townhomes, and (fingers-crossed) your perfect home! When buying a house in Pulaski, consider how near or far away the home is from the places you visit most. 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. Discovering different parts of Pulaski will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Pulaski's hottest attractions.

Are your finances in the right place to buy a home in Pulaski? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. You could choose to buy a home in Virginia or elsewhere. We work with experienced homeowners and first-time homeowners alike. Walk through the following steps to help you determine if you're financially ready to buy a home in Pulaski.

First, estimate how much house you can afford. This will help determine the price range for your Pulaski house hunt. Then, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). It's okay if these numbers are educated guesses. While everyone's situation is different, an online search for Pulaski averages will usually give you some solid estimates. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Then, consider how much you can contribute to a down payment. Placing a minimum of 20% down can improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, the minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. 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 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 options are always a good thing!

It's Go Time! Buy a House in Pulaski, VA

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

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