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All About Buying a House in Oak Harbor, WA

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Exploring Oak Harbor, WA From North to South

Thinking about buying a home in Oak Harbor? Smart move! You picked an energetic city with an ideal amount of educational opportunities, businesses, and parks, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers from coast to coast and are familiar with the ins-and-outs of the Oak Harbor housing market.

Given all of Washington's growth, Oak Harbor homes aren't always easy to find at a comfortable price. Sustained cultural expansion and economic growth have helped to beckon retirees, new businesses, and young families to the Oak Harbor area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Oak Harbor and its nearby areas still offer an array of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your dream house! When buying a home in Oak Harbor, consider how near or far away the home is from the places you visit most. If you can, drive the route you'd take from the house to your school, office, and favorite hangout spot. Your house's location will affect everything, from your morning routine to how you spend your evenings. Exploring Oak Harbor will also help you get a feel for how homes in east Oak Harbor differ from west Oak Harbor, what the communities are like, and where to find Oak Harbor's coolest attractions.

Are your finances in the right place to buy a home in Oak Harbor? 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. It doesn't matter whether you want to buy a home in Washington or somewhere else entirely. We work with 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 Oak Harbor.

First, estimate how much house you can afford. This will help determine the price range for your Oak Harbor house hunt. Next, jot down your potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). You don't need an exact amount for these expenses. While everyone's situation is different, an online search for Oak Harbor 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, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can boost your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, 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 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 options are always a good thing!

Move Up and Out: Buying Your Dream House in Oak Harbor, 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 Oak Harbor. Contact Mr. Cooper as you prepare to buy a house in Oak Harbor. We're here for you from start to finish 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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