Lees Summit Home Loans 
We are still trying to get the word out that now is the time to start looking for new houses and maybe your first home, rates are are still low, house prices are starting to go up which means it's time to buy so you can take advantage of the fantastic deals on mortgage rates. For anyone interested in buying a new home, you should start by getting pre-approved for a home loan in Lees Summit.
So here are a few tips for getting one of the many Lees Summit Home Loans.
One of the first tips that we can give is to let home buyers who are shopping for a mortgage understand that there are several different mortgage options they can choose from (in most cases.) If you are a veteran, the the VA loan program might just be the one for you because it comes with 100% financing and no PMI., (monthly mortgage insurance).
If you're not active duty military or a veteran, another option for you is the FHA loan. One of the biggest benefits of the FHA loan is that it doesn't require the 20% down payment that a conventional loan does; it only requires 3.5% down and that can come as a gift from family members. Many home buyers don't realize this - but it can be the difference between someone going for it and someone holding out and not buying a home. If your agent hasn't mentioned this ask them about the other benefits that can get you into a home!
As usual you can't talk about buying a home without talking about keeping a good credit score, and credit repair. Our website & YouTube Channel have several different suggestions on how you can take steps to get your credit fixed or just maintain your good credit.
One of the things that I know makes a big difference is working with a local lender, I live in Lees Summit and it's a great town, as a lender this helps me know what the people are like and what the housing market is like, and it makes me a better loan officer because of it. Some first time home buyers, among other buyers, may not realize the difference that working with a local lender can make. It really can make the mortgage process go so much more smoothly if everyone is local and can get in touch with one another easily! Plus it allows me to have that extra level of personal service that you can miss out on when dealing with one of the 'big box' online loan companies.
Lees Summit Home Loans
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