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All About Buying a House in Waynesboro, VA

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

Ready to lay down some roots and buy a house in Waynesboro? Smart move! You've chosen a colorful city with a dynamic selection of educational opportunities, businesses, and parks, and we're here to help make your home purchase and move a little easier. We serve 3.8 million customers across the country and are familiar with the ins-and-outs of the Waynesboro housing market.

Waynesboro's amazing growth has made it a great place to live. But on the flip side, the growth has also led to a shortage of cheaper homes. Continued support for local businesses and cultural growth have helped to attract entrepreneurs, retirees, and new graduates to the Waynesboro area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Waynesboro and the surrounding areas still offer a variety of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your perfect home! When looking to buy a house in Waynesboro, double check that you're factoring in the home's distance from your daily 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 Waynesboro will also help you get a feel for how homes in east Waynesboro differ from west Waynesboro, what the communities are like, and where to find Waynesboro's coolest attractions.

Are you financially prepared to buy a house in Waynesboro? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. We believe everyone can find their dream home and work to make the journey less worrisome and more rewarding every step of the way. You could choose to buy a home in Virginia or elsewhere. We support first-time homeowners and experienced homeowners alike. Start with the following steps to help you figure out if your finances are in the right place to buy a house in Waynesboro.

First, estimate how much house you can afford. This will help you set a price range while house shopping in Waynesboro. Next, map out your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). You don't need an exact amount for these expenses. Searching the web for Waynesboro 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, look at how much money you can put toward a down payment. Placing a minimum of 20% down can improve your odds of getting a good 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. 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. The healthier your credit is, the more mortgage options you may have open to you— and who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Waynesboro, 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 Waynesboro. Contact Mr. Cooper as you prepare to buy a house in Waynesboro. We're here for you every step of the way 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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