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mortgages Buying a Home - Kansas Real Estate and Mortgages

Buying a Home - Kansas mortgages, down payment assistance and first time home buyer grants for buying Kansas real estate.

Research the available mortgages and home loan programs for buying Kansas real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Kansas real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in Kansas.

State of Kansas First Time Homebuyers Program - provides down payment assistance to qualified Kansas buyers for the purchase of their first home. http://kdoch.state.ks.us:80/ProgramApp/program_detail_display.jsp?RECNO=995462043556

Kansas Housing Partners - several participating agencies that assist Kansas communities and individuals in meeting their housing goals. 
http://www.ksrdc.org/Afford_House.htm

Kansas Affiliates of Habitat for Humanity - Habitat for Humanity has affiliates at numerous locations throughout Iowa, and brings families and communities in need together with volunteers and resources to build decent, affordable housing. http://www2.habitat.org/local/WWW_Affiliates2.fm$Find?field=st_code&value=KS

Local Homebuying Programs - Many Cities and local organizations also offer homeownership assistance programs.

Wichita:

City of Wichita 
HOME Program
455 N. Main
Wichita, KS 67202
Phone (316) 268-4371

http://www.wichitagov.org/housing/home80_program.asp

Mennonite Housing Rehabilitation

3033 W. 2nd St.
Wichita, KS 67203
Phone (316) 942-4848

http://www.mennonitehousing.com/

Topeka:

Community Action Inc. 
1000 SE Hancock
Topeka, KS 66607
Phone (785) 235-9561

http://www.kacap.org/AgencyPages/catopeka/program_info_for_ca.html

City of Topeka

TOTO and HOOP Programs
215 SE 7th
Topeka, KS 66603
Phone (785) 368-4490

http://www.topeka.org/departmt/hap.htm

Federal Home Loan Bank of Topeka
Rural First-time Homebuyer Program
One Security Benefit Place, Suite 100
Topeka, KS 66606-2444
Phone Michele Carter at (800) 777-3452

http://www.fhlbtopeka.com/rural_first.asp

Hutchinson:

Interfaith Housing Services, Inc.
P.O. Box 1992
Hutchinson, KS 67504
Phone (316) 662-8370

Lawrence:

City of Lawrence
HOOT Program
Tenants to Homeowners, Inc.
2518 Ridge Court
Phone (785) 842-5494
http://www.lawrenceNeighRes.org/

Kansas City:

City of Kansas City, Kansas
Community Housing Investment Program
701 North 7th Street
Kansas City, Kansas 66101
Phone (913) 573-5100

http://www.wycokck.org/news/chip/index.html

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Kansas.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Kansas or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Kansas.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Kansas Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Kansas real estate of homes for sale.

Complete the form below for direct access to the following types of Kansas real estate listings:

  • Kansas Real Estate Listings and MLS
  • Kansas HUD Homes
  • Kansas For Sale By Owner Homes
  • Kansas New Homes for Sale
  • Kansas Foreclosure Homes for Sale
Access Kansas Real Estate Listings

You will get free unlimited access to search Kansas real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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