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What to Know Before Buying a Home in Anacortes, WA

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Exploring Anacortes, WA From North to South

Ready to lay down some roots and buy a house in Anacortes? Congratulations! You selected an energetic 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 support 3.8 million customers across the country and are familiar with the ins-and-outs of the Anacortes housing market.

Anacortes'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. Sustained cultural expansion and economic growth have helped to entice entrepreneurs, retirees, and new graduates to the Anacortes area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Anacortes and its nearby areas still offer an array of home styles and prices. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When buying a home in Anacortes, consider the home's location in relation to your everyday activities. If you can, test drive your trip from the house to work, school, and the grocery store. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Anacortes will also help you get a feel for how homes in east Anacortes differ from west Anacortes, where to find Anacortes's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Anacortes, but is your bank account? 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 try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in Washington or somewhere else entirely. We support new and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Anacortes.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Anacortes. Then, 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 Anacortes 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.

Then, consider how much you can contribute to a down payment. Putting at least 20% down will increase your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, 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, check 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 who doesn't want more choices in life?

Make Your Move: Buy a Home in Anacortes, WA

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 Anacortes. Contact Mr. Cooper as you get ready to buy a house in Anacortes. 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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