What to Know Before Buying a Home in Pasco, WA

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Exploring Pasco, WA From North to South

Thinking about buying a home in Pasco? Great idea! You picked a lively 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 support 3.8 million customers across the country and are familiar with the ins-and-outs of the Pasco housing market.

Given all of Washington's growth, Pasco homes aren't always easy to find at a comfortable price. Continued cultural expansion and economic growth have helped to beckon retirees, new businesses, and young families to the Pasco area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Pasco and its nearby areas still offer an array of home types and prices. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your dream home! When buying a home in Pasco, consider how near or far away the home is from the places you visit most. If you can, test drive your route to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Exploring Pasco will also help you get a feel for how homes in east Pasco differ from west Pasco, what the neighborhoods are like, and where to find Pasco's hottest attractions.

Are your finances in the right place to buy a home in Pasco? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe in keeping the dream of homeownership alive and try our best to make the journey easier and more rewarding. You could choose to buy a home in Washington or elsewhere. We help new and experienced homeowners alike. Read through the following steps to help you determine if you're financially ready to buy a home in Pasco.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in Pasco. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Pasco 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.

Next, look at how much money you can put toward a down payment. Putting at least 20% down will improve your chances of getting a great rate and will allow you to avoid private mortgage insurance (PMI). That said, the minimum down payment requirements depend on the type of loan. Here's where it can help to get prequalified for a mortgage. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, take a good look at 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 Pasco, WA

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 Pasco. Contact Mr. Cooper as you get ready to buy a house in Pasco. We're here to help you along the way 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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