What to Know Before Buying a Home in Hartford, WI

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Get Familiar with the Lay of the Land in Hartford, WI

Ready to lay down some roots and buy a house in Hartford? Congratulations! You've chosen a colorful city with an ideal amount of businesses, schools, restaurants and parks, and we're here to help make your home purchase and move a little easier. We service 3.8 million customers from coast to coast and know the Hartford housing market well.

Hartford is growing by the day, which means Hartford homes don't always come cheap. Sustained economic growth and cultural expansion have helped to beckon retirees, new businesses, and young families to the Hartford area, but so much change also means more traffic, more competition, and a need for more schools. Even so, Hartford and its nearby areas still offer a variety of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (hopefully) your perfect home! When buying a house in Hartford, consider the home's location in relation to your everyday activities. If you can, test drive your trip from the house to work, school, and the grocery store. The location of your house will impact virtually every part of your life. Exploring Hartford will also help you get a feel for how homes in east Hartford differ from west Hartford, where to find Hartford's most popular attractions, and what the neighborhoods are like.

You're ready to buy a house in Hartford, but is your bank account? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We think the dream of homeownership should never fade and work to make every stage of the journey more enjoyable and less worrisome. You don't even have to stick with your decision to buy a house in Hartford. We work with new and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Hartford.

First, calculate how much house you can afford. This will help you narrow your search when house hunting in Hartford. After that, map out your potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). You don't need an exact amount for these expenses. Everyone's situation will differ, but a quick online search for average expenses in Hartford will usually point you in the right direction. Keep in mind that your monthly mortgage payment could make up the bulk of your monthly home expenses.

Now, figure out what a realistic down payment would be for you. Placing a minimum of 20% down can increase 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. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, take a good look at 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!

It's Go Time! Buy a House in Hartford, WI

Moving remains one of the biggest stressors, despite being a practically universal experience. But when you get to live in a stellar city like Hartford, moving doesn't seem so challenging. Contact Mr. Cooper as you prepare to buy a house in Hartford. 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.*

Hartford, WI Mr. Cooper Customer Reviews

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

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