The Process of Buying a Home in Kansas City, KS

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Exploring Kansas City, KS From North to South

Thinking about buying a home in Kansas City? Congratulations! You've chosen a vibrant city with a great balance of businesses, schools, restaurants and parks, and we're here to help the home purchase process go a little smoother. We service 3.8 million customers from coast to coast and have the inside scoop on Kansas City's housing scene.

Given all of Kansas's growth, Kansas City homes aren't always easy to find at a comfortable price. Continued cultural expansion and economic growth have helped to attract retirees, new businesses, and young families to the Kansas City area, but so much change also means more traffic, more competition, and a need for more schools. Despite this, Kansas City and its neighboring areas still offer a variety of homes in price and amenities. You can find single-family homes, condos, townhomes, and (hopefully) your perfect home! When buying a home in Kansas City, consider the home's location in relation to your everyday 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 Kansas City will also give you an idea of why homes in west Kansas City are priced differently than homes in east Kansas City, what the communities are like, and where to find Kansas City's coolest attractions.

Are you financially prepared to buy a house in Kansas City? Contact a Mr. Cooper Mortgage Professional if you're unsure of your answer. We believe in keeping the dream of homeownership alive and work to make the journey less worrisome and more rewarding every step of the way. You could choose to buy a home in Kansas or elsewhere. We support first-time homeowners and experienced homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Kansas City.

First, calculate how much house you can afford. This will help determine the price range for your Kansas City house hunt. Next, jot down your potential monthly payments (including property taxes, insurance, home repairs, homeowners association fees, etc.). No need to have an exact amount. While everyone's situation is different, an online search for Kansas City 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.

Now, look at how much money you can put toward a down payment. A down payment of at least 20% can help improve your odds of getting a good rate and will allow you to avoid private mortgage insurance (PMI). Even so, down payment requirements can differ depending on the loan type. Here's where it can help to get prequalified for a mortgage. Prequalification points you in the right direction as far as how much you may be eligible to borrow. Also, take a good look at 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!

It's Go Time! Buy a House in Kansas City, KS

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Kansas City. Contact Mr. Cooper as you look to buy a home in Kansas City. We're here for you from start to finish 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.*

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