What to Know Before Buying a Home in Oshkosh, WI

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

Ready to lay down some roots and buy a house in Oshkosh? Great idea! You've chosen a vibrant city with a dynamic selection 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 across the country and have the inside scoop on Oshkosh's housing scene.

Oshkosh is growing by the day, which means Oshkosh homes don't always come cheap. Ongoing economic growth and cultural expansion have helped to attract retirees, new businesses, and young families to the Oshkosh area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Even so, Oshkosh and the surrounding areas still offer an array of homes in price and amenities. You can find townhomes, condos, single-family homes, duplexes, and (fingers-crossed) your perfect home! When buying a house in Oshkosh, double check that you're factoring in the home's distance from your daily activities. If you can, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Traveling around Oshkosh will also give you an idea of why homes in west Oshkosh are priced differently than homes in east Oshkosh, where to find Oshkosh's most popular attractions, and what the neighborhoods are like.

Are you financially prepared to buy a house in Oshkosh? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We think the dream of homeownership should never fade and try our best to make the journey easier and more rewarding. It doesn't matter whether you want to buy a home in Wisconsin or somewhere else entirely. We serve first-time homeowners and experienced homeowners alike. Start with the following steps to help you determine if you're financially ready to buy a home in Oshkosh.

First, calculate how much house you can afford. This will help you set a price range while house shopping in Oshkosh. 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. While everyone's situation is different, an online search for Oshkosh averages will usually give you some solid estimates. 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, down payment requirements can differ depending on the loan type. Here's where it can help to get prequalified for a mortgage. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Credit history is an important part of your mortgage application. The better your credit is, the more mortgage options you may be presented with— and more options are always good!

Make Your Move: Buy a Home in Oshkosh, WI

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 Oshkosh. Contact Mr. Cooper as you get ready to buy a house in Oshkosh. 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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