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The Process of Buying a Home in Short Pump, VA

Short Pump is changing every day. Get the information you need to make your best move. Learn more about buying a house in Short Pump, VA.

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Exploring Short Pump, VA From North to South

Strongly considering a home purchase in Short Pump? Awesome! You picked a lively city with a great balance 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 nationwide and know the Short Pump housing market well.

Short Pump is growing by the day, which means Short Pump homes don't always come cheap. Sustained economic growth and cultural expansion have helped to entice retirees, new businesses, and young families to the Short Pump area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Short Pump and its neighboring areas still offer a wide range of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (ideally) your dream home! When buying a home in Short Pump, 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. Your home's location will influence almost every aspect of your life. Exploring Short Pump will also help you get a feel for how homes in east Short Pump differ from west Short Pump, where to find Short Pump's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Short Pump, but is your bank account? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe in keeping the dream of homeownership alive and work to make every stage of the journey more enjoyable and less worrisome. You don't even have to stick with your decision to buy a house in Short Pump. We help new 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 Short Pump.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Short Pump. Then, add up the potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. Everyone's situation will differ, but a quick online search for average expenses in Short Pump will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Now, figure out what a realistic down payment would be for you. A down payment of at least 20% can help boost your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). However, down payment requirements can differ depending on the loan type. 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, 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 healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Short Pump, VA

Moving remains one of the biggest stressors, despite being a practically universal experience. But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Short Pump. Contact Mr. Cooper as you get ready to buy a house in Short Pump.

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