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Kansas City Real Estate Blog

Steps to Remediate Unpermitted WorkUnpermitted work in homes often goes unnoticed by everyone from the home inspector to the original seller. This is because unpermitted work can be one of the messier topics of home improvement. Different neighborhoods have different priorities, and few homeowners (or even home inspectors) have the time or the wherewithal to parse through numerous building codes. Unpermitted work often happens as an innocent do-it-yourself project, when the owner doesn't know they need a permit.

However, homeowners who do turn a blind eye to the quality of previous renovations can find themselves in trouble if the wrong person discovers the flaws. Bad or unpermitted renovations can include a renovation of a kitchen, bathroom or an addition to the home. Find out

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Home Improvements that Decrease Your Homes ValueIn general, home improvements will boost a home's value. However, some home improvements will not. If you're a homeowner who would like to bring up the sale price of your home by making home improvements and home upgrades, it's important to know which home improvements will help you accomplish your goal. Here's what you need to know.

Bedroom Conversion

Some new Lenexa homeowners dream about converting a spare bedroom into a hobby room. For example, some musicians want nothing more than to turn their spare bedroom into a recording studio or a place where they can practice their instrument. If doing this involves replacing normal walls with soundproofing, this could drag down the value of the home. Home buyers like extra bedrooms, and will

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What to Do When Your Home Is ForeclosedForeclosure can feel like a scary time for many homeowners, but there are ways to control and manage the situation if they know how everything works. Those who have already received an official notice should keep the following in mind before they make any drastic moves.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

Homeowners Have Options

The first thing homeowners may assume about their foreclosure is that they have to move out as soon as they receive the notice. They may mistakenly believe the lender has already seized control and thus holds all the cards. But homeowners do have the option to sell the home on the general market if they so choose.

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The 4 Steps of Buying a HomeFor a first-time home buyer, the entire process can seem daunting. Between loans and down payments and paperwork, where does anyone even start? Fortunately, the buying a home isn’t quite as difficult as it seems, and it can be boiled down into a few key steps. While this isn’t every single part of the home buying process, these are the big events that home buyers will encounter.

For informational purposes only. Always consult with a licensed mortgage professional and real estate agent before proceeding with any real estate transaction.

1. Hire a Reputable Agent

Every home buyer needs an agent. While some people may think it’s optional, the advantages of using an agent far outweigh any advantages of not using an agent. Real estate agents

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All About the Down Payment on a HomeMany renters spend years saving money to buy a home. While it's not necessary to pay all money for a home up front, most people do need to make a sizable down payment in order to secure a loan. Knowing what the down payment is, which loans require a down payment and how to save money for a down payment can help renters be prepared for the home buying process.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

Which Loans Require a Down Payment

Most loans require a down payment of some kind. Conventional loans require the biggest down payment, while loans backed by the Federal Housing Administration (FHA loans) require much less. A typical down payment is

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What You Need to Know About Buying a New Construction HomeBuying a new construction home can be a very rewarding experience, but before building can begin, many decisions must be made. If you're a homebuyer who would like to purchase a new construction home, here's what you need to know.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Where Will You Build?

Location is critical for ensuring that the homebuyer will be happy in their new home. When selecting a location, home buyers must ask themselves a variety of questions. How close should the neighbors be? How important is it to live close to businesses, healthcare services and entertainment?

Often rural locations have larger plots of land and more

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What Home Buyers Need to Know About PMIThere’s a lot that goes into buying a new home, and buyers need to know about everything that may stand in their way before the closing date arrives. One thing that home buyers should be familiar with is called private mortgage insurance, or just PMI. But what exactly is PMI, and why is it important? Here is what home buyers need to know about private mortgage insurance cold possibly affect their mortgage loans. 

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

What is PMI?

When a home buyer pays their down payment, depending on their mortgage loan of choice, they can pay anywhere from 3-20%. However, in exchange for a down payment lower than 20%, the

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4 Reasons You Should Get a Home WarrantyWhen purchasing a new home, the new homeowners may find that they are receiving offers in the mail for something called a home warranty. A home warranty covers appliances and systems in a home like a warranty that someone would buy for a new phone or computer. Many homeowners are on the fence about if they should buy one or not because they tend to be more helpful in some homes over others. Here are some of the different reasons homeowners choose to buy a home warranty.

The Home and Its Appliances Are Old

As electronics and appliances age, they have a tendency to break. And though new home technology may appear to never wear out or break, it can happen. Wires get old, screws come loose, motors stop working, and if these things happen, it can

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What All Veterans Need To Know About VA LoansVeterans of the United States Army and its many different corps are familiar with the Department of Veterans Affairs, but what they might not be aware of is that the VA offers all veterans a loan especially for them: the VA loan. VA loans are quite different than traditional loans that home buyers may already be familiar with, so it’s important for veterans who want to utilize the government assistance they receive to its fullest to know what they’re entitled to. Here is what veteran home buyers need to know about using VA loans.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

Different Loans For Different People

One misconception a lot of people

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Your Guide to FHA LoansThe Federal Housing Administration (FHA) is the branch of government that makes it easier for hopeful homeowners to purchase the property of their dreams. While conventional mortgage loans traditionally request good to excellent credit and substantial savings, the FHA relaxes their requirements so more people have a chance at buying a home. The FHA also backs the loan in the case of default so that lenders have that many more reasons to work with clients.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

Understanding an FHA

FHA loans were originally established in the 1930's as a way to inject life into a sluggish housing market. It should be noted

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