What to Know Before Buying a Home in Sammamish, WA

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Understanding the Sammamish, WA Housing Landscape

Ready to lay down some roots and buy a house in Sammamish? Awesome! You've chosen a colorful city with a dynamic selection of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We serve 3.8 million customers across the country and know the Sammamish housing market well.

Given all of Washington's growth, Sammamish homes aren't always easy to find at a comfortable price. Sustained economic growth and cultural expansion have helped to beckon entrepreneurs, retirees, and new graduates to the Sammamish area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. That said, Sammamish and the surrounding areas still offer a wide range of home styles and prices. You can find townhomes, condos, single-family homes, duplexes, and (ideally) your dream home! When buying a house in Sammamish, 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. Traveling around Sammamish will also give you an idea of why homes in west Sammamish are priced differently than homes in east Sammamish, what the communities are like, and where to find Sammamish's coolest attractions.

Are your finances in the right place to buy a home in Sammamish? If you're not sure how to answer that question, contact a Mr. Cooper Mortgage Professional. 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. You don't even have to stick with your decision to buy a house in Sammamish. We help experienced homeowners and first-time homeowners alike. Walk through the following steps to help you figure out if your finances are in the right place to buy a house in Sammamish.

First, estimate how much house you can afford. This will help you narrow your search when house hunting in Sammamish. After that, jot down your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Searching the web for Sammamish averages will usually give you a solid estimate, though everyone's situation is different. Keep in mind that a mortgage payment could make up the majority of most homeowners’ monthly household expenses.

Then, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can improve your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). That said, the required down payment will depend on the type of loan you get. 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, take a good look at your credit. Lenders place a high importance on credit history when looking at your mortgage application. The better your credit is, the more mortgage options you may be presented with— and who doesn't want more choices in life?

Move Up and Out: Buying Your Dream House in Sammamish, 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 can also be incredibly rewarding, especially when you get to live in an amazing city like Sammamish. Contact Mr. Cooper as you prepare to buy a house in Sammamish. 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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