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What to Know Before Buying a Home in Spokane Valley, WA

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Exploring Spokane Valley, WA From North to South

Ready to lay down some roots and buy a house in Spokane Valley? Awesome! You selected a colorful city with an ideal amount of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers across the country and are familiar with the ins-and-outs of the Spokane Valley housing market.

Spokane Valley is growing by the day, which means Spokane Valley homes don't always come cheap. Continued cultural expansion and economic growth have helped to beckon retirees, new businesses, and young families to the Spokane Valley area, but so much change also means more traffic, more competition, and a need for more schools. That said, Spokane Valley 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 perfect home! When buying a house in Spokane Valley, double check that you're factoring in the home's distance from your daily activities. If you can, 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. Exploring Spokane Valley will also help you get a feel for how homes in east Spokane Valley differ from west Spokane Valley, what the communities are like, and where to find Spokane Valley's coolest attractions.

Are your finances in the right place to buy a home in Spokane Valley? 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 could choose to buy a home in Washington or elsewhere. We help new and experienced 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 Spokane Valley.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Spokane Valley. After that, add up the potential monthly payments (including home repairs, insurance, homeowners association fees, property taxes, etc.). It's okay if these numbers are educated guesses. Everyone's situation will differ, but a quick online search for average expenses in Spokane Valley will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Then, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, the required down payment will depend on the type of loan you get. Here's where it can help to get prequalified for a mortgage. Getting prequalified will give you an idea of how much you might qualify to borrow. Also, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. You may be presented with more mortgage options if you have healthy credit— and options are always a good thing!

Make Your Move: Buy a Home in Spokane Valley, WA

While moving is a universal experience, it remains one of the top stressors that a person can experience in life. But moving feels more rewarding when you get to live in a place like Spokane Valley. Contact Mr. Cooper as you get ready to buy a house in Spokane Valley. We're here for you every step of 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.*

Mr. Cooper Customer Reviews for Spokane Valley, WA

Take it from these Mr. Cooper home buyers and sellers in Spokane Valley, WA: We love helping homeowners. Call now to see how we can serve you.

Simplify the home buying or selling process in Spokane Valley with Mr. Cooper.

Mr. Cooper works to save buyers and sellers money at every stage of their journey, from real estate commissions to closing costs.