First-Time Home Buyer Loans in Kansas City
Buying your first home is a big step. I’ll walk you through your loan options, what you’ll need, and what it will cost, in plain language.
Who it’s for
- Buyers purchasing their first home, or who have not owned in the last three years
- Buyers with a smaller down payment saved
- Buyers who want to use gift funds from family
- Buyers who want to see whether an assistance program could help
What lenders typically look at
Credit
Different programs have different credit requirements, and some are built for buyers with limited or imperfect credit. Requirements vary by lender.
Down payment
Some loans allow as little as 3% to 3.5% down. Gift funds from family are often allowed. Eligible VA borrowers may not need a down payment.
Income and job history
Lenders generally want to see steady income, often a two-year work history. Self-employed buyers have options too.
Debts
Lenders compare your monthly debts to your income. Different programs allow different limits, so it helps to look at several.
Cash to close
Plan for the down payment, closing costs, and prepaid items. In some cases the seller can contribute toward closing costs, depending on the loan.
Typical ranges are shown for general information only. Requirements, rates, and availability vary by lender, program, property, and borrower, and are subject to change. This is not a commitment to lend.
How it works with me
Talk it through
Call or text me, meet in person, or connect online. I learn your goals, your budget, and your timeline.
Get pre-approved
I look at your whole situation and shop my network of 250+ lenders, so you know your options and can make offers with confidence.
Close with confidence
I keep you updated, answer your questions, and stay with you through closing day.
Common questions
How much do I need for a down payment?
It depends on the program. Some loans allow as little as 3% to 3.5% down, and eligible VA borrowers may not need a down payment. I’ll show you the options that fit your situation.
Do I need perfect credit to buy my first home?
No. Programs differ, and some are designed for buyers with limited or imperfect credit. I’ll look at your full picture and explain what could help if there is something to work on.
What is down payment assistance?
Some state, local, and lender programs offer help with the down payment or closing costs to eligible buyers. Availability, eligibility, and terms vary, and some have conditions. Ask me what you may qualify for.
Told no somewhere else? Call me.
I can’t promise a yes, but I’ll look at every option. Call or text, or meet in person.