💰 Financing & Affordability

Q: How much house can I afford on my current income?
A: Use the 28/36 rule: Spend no more than 28% of your gross income on housing and 36% on total debt. We can connect you with a lender for specifics.

For more information on what kind of house you can afford, check out this blog.

Q: What are the current mortgage rates in Kansas City?
A: Rates change daily—check with a local lender for today’s rate. We work with some of the best if you need a referral.

For more information on current mortgage rates, check out this blog.

Q: What credit score is needed to qualify for a mortgage?
A: Typically 620+ for conventional loans, but FHA loans can go lower. Higher scores = better terms.

For more information on credit score qualifications, check out this blog.

Q: What are the differences between FHA, VA, and conventional loans?
A: FHA = low down payment, flexible credit. VA = zero down for veterans. Conventional = more options, typically better terms with good credit.

For more information on FHA loans, check out this blog.

For more information on VA loans, check out this blog.

For more information on Conventional loans, check out this blog.

Q: How much should I save for a down payment?
A: Anywhere from 3% to 20%, depending on your loan type. We’ll help you find what works for your budget.

For more information on down payments, check out this blog.

Q: What are the typical closing costs for buyers in Kansas City?
A: Around 2–5% of the purchase price, including lender fees, title insurance, and taxes.

For more information on closing costs, check out this blog.

Q: Are there any first-time homebuyer assistance programs available?
A: Yes! Missouri and Kansas both offer programs. We can help you navigate them.

For more information on first-time home buyer assistance programs in Missouri and Kansas, check out this blog.

📈 Market Conditions & Timing

Q: What is the average home price in Kansas City?
A: As of now, it’s hovering in the $250K–$350K range depending on the neighborhood.

For more information on home prices in KC, MO and KS, check out this blog.

Q: When is the best time of year to purchase a home here?
A: Spring has the most listings, but fall can offer better deals. The “best” time depends on your goals.

For more information on the best time of year to purchase a home, check out this blog.

🏠 Selling Your Home When the Time & Price are Right

Q: How much is my home worth?
A: Understanding your home’s market value is crucial. A Comparative Market Analysis (CMA) can provide insights based on recent sales of similar properties in your area.

For more information on how much your home is worth, check out this blog.

Q: How do I price my home competitively?
A: Pricing should reflect current market conditions, comparable sales, and your home’s unique features.

For more information on how to price your home competitively, check out this blog.

Q: What should I do to prepare my home for sale?
A: Decluttering, deep cleaning, making necessary repairs, and staging can enhance your home’s appeal to potential buyers.

For more tips on preparing your home to sell, check out this blog.

Q: What is the role of open houses in selling my home?
A: Open houses can increase visibility, but their effectiveness varies. Discuss with your agent whether this strategy suits your property.

For more information on open house, check out this blog.

Q: When is the best time to sell in Kansas City?
A: Typically, spring and early summer see increased buyer activity. However, local market conditions can vary, so it’s essential to consult with a real estate professional.

For more information on the best time to sell your home, check out this blog or this one.

Q: How long will it take to sell my home?
A: The average time varies based on market conditions, pricing, and property condition. Your agent can provide an estimate based on local data.

For more information on how long it will take to sell your home, check out this blog.

💡 Selling Strategies

Q: How do I choose the right real estate agent?
A: Look for agents with a strong track record in your area, positive client reviews, and a marketing strategy that aligns with your goals.

For tips on choosing the right real estate agent, check out this blog, or this one.

Q: What marketing strategies will be used?
A: Effective marketing may include professional photography, online listings, social media promotion, and virtual tours.

For a list of our marketing strategies we utilize, check out this page on our listing process.

🛠️ Home Features & Deal Breakers

Q: What should I look for during a home tour?
A: Check the roof, HVAC, foundation, windows, and layout flow. Trust your gut, but bring a checklist.

For more information on home tour checklists, check out this blog.

Q: How important is a home inspection, and what does it cover?
A: It’s crucial. Inspections cover structure, major systems, and safety issues. They can save you thousands.

For more information on home inspections, check out this blog.

Q: Should I consider homes with HOA fees?
A: If the amenities and maintenance are worth it to you—yes. Just know what the fees cover and how often they increase.

For information on benefits of an HOA, check out this blog.

🚀 Making a Smart Offer & Winning the Deal

Q: How much earnest money should I put down?
A: Typically 1–2% of the purchase price. It shows you’re serious and strengthens your offer.

For more information on earnest money, check out this blog.

Q: What happens if the appraisal comes in low?
A: You can renegotiate, cover the gap, or walk away. We’ll walk you through every scenario.

For more information on covering the appraisal gap, check out this blog.