All About Buying a House in Bellingham, WA

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Exploring Bellingham, WA From North to South

Thinking about buying a home in Bellingham? Congratulations! You picked a vibrant city with a great balance of businesses, schools, restaurants and parks, and we're here to help make your house hunt, purchase, and move more streamlined. We service 3.8 million customers across the country and know the Bellingham housing market well.

Bellingham is growing by the day, which means Bellingham homes don't always come cheap. Ongoing support for local businesses and cultural growth have helped to attract entrepreneurs, retirees, and new graduates to the Bellingham area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Bellingham and its nearby areas still offer a wide range of home styles and prices. You can find duplexes, single-family homes, townhomes, condos, and (hopefully) your dream home! When buying a home in Bellingham, consider the home's location in relation to your everyday activities. If possible, 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. Discovering different parts of Bellingham will help you see how the northern part differs from the southern part, what the neighborhoods are like, and where to find Bellingham's hottest attractions.

You're ready to buy a house in Bellingham, but is your bank account? 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 work to make the journey less worrisome and more rewarding every step of the way. It doesn't matter whether you want to buy a home in Washington or somewhere else entirely. We work with first-time homeowners 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 Bellingham.

Before anything else, estimate how much house you can afford. This will help you narrow your search when house hunting in Bellingham. After that, map out your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Bellingham will usually point you in the right direction. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Now, consider how much you can contribute to a down payment. Placing a minimum of 20% down can increase your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. This is where getting prequalified for a mortgage comes in handy. 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?

Move Up and Out: Buying Your Dream House in Bellingham, WA

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But moving feels more rewarding when you get to live in a place like Bellingham. Contact Mr. Cooper as you get ready to buy a house in Bellingham. We're here to help you along the way and Mr. Cooper® Real Estate Rewards can even put you in touch with a vetted real estate agent who can potentially help you save thousands of dollars.*

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