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How to Buy a House in Seattle, WA

From down payments to closing costs, there are lots of numbers to crunch when buying a house in Seattle. Let's break them down together.

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Your Step-by-Step Guide to Buy a House in Seattle, WA

Help make sure your home isn't a source of financial stress. A good way to make that happen is to be financially prepared for your home purchase before you set foot in an open house. Be honest with yourself to determine if you can buy a house in Seattle, or if you should hold off until your situation is different. Walk through the following steps to get started and reach out to a Mr. Cooper Mortgage Professional to talk strategy.

Examine your finances. Look at the whole picture. What are your general thoughts about your savings, current debt, monthly expenses, and credit history? A little "gut check" can go a long way. A solid way to start your Seattle home buying journey is with adequate savings for a down payment, a strong credit history, and a good grasp on your everyday expenses.

Now, let's "put pencil to paper," as they say. Plug in some numbers to Mr. Cooper's affordability calculator and see where you (and your budget) stand. You can calculate how much house you can buy in Seattle based on income or your desired maximum monthly mortgage payment. Will this price range get you into the Seattle home you've been dreaming about? If not, think about looking in surrounding areas or increasing your down payment. If it's a good number, then call Mr. Cooper. It's time to move on to the next step in the homeownership journey!

You're ready to get pre-approved for a house in Seattle. Pre-approval is a more formal estimate of how much of a home loan you could get approved for. It's the result of some financial details you provide and a credit check. Pre-approval is also a chance to learn about your mortgage options and work with your lender to find the right fit.  Mr. Cooper’s online pre-approval tool makes it easy. Let us know where you want to buy a house in Seattle, the property type, how you're going to use the property, and if you currently have a real estate agent. Type in your likely purchase price and down payment. Follow that information with a few personal details and you're clicks away from being pre-approved. The process is straightforward. Pre-approval lasts 120 days.

When crunching the numbers on how you'll buy a home in Seattle, factor in your time, too. Your time is one resource that's non-refundable and non-renewable, and finding your perfect house can be time-consuming, especially in Seattle. Turn to a real estate agent in Seattle who does the bulk of the work for you.

Applying for a home loan is the final step in getting your finances ready for a home purchase. Can you see the finish line? Let a home loan servicer like Mr. Cooper guide you in the process and you'll receive personalized support from the moment you dream of owning a home to the reality of holding the keys in your hand.  Call Mr. Cooper Mortgage Professionals today. They're pros when it comes to what it takes to buy a house and will work hard to find the right loan for you.

The house of your dreams is waiting for you and your loved ones. Call now and let us help you ready your finances to buy a house in Seattle. You can start on the path to homeownership today!

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