lees summit: When Can I Buy a New Truck
- 07/07/15 12:12 AM
When you're going through the mortgage process there's a few things you need to do, but we get asked a lot: When Can I Buy a New Truck? We understand that you really want that new truck to help you move the stuff from your old house or apartment into your new place, but there's a something you need to know while you're in the home loan process...Watch an episode from our "Ask Darren" series where we talk to a local Kansas City realtor about how this can affect your mortgage. If you're ready to get started on a home loan … (2 comments)
lees summit: 10 Commandments of Home Loans
- 07/02/15 12:26 AM
There are just a few things that you shouldn't do when you're buying a home and this infographic pretty much sums up what we think about those things. So sit back, scroll down and enjoy the 10 Commandments of Home Loans - we say home loans because well, that's the hard part of buying a home! Originally posted at The Lighter Side of Real Estate … (1 comments)
lees summit: Best First Time Homebuyers Mortgage in Lee's Summit
- 06/24/15 12:49 AM
If you're looking for the Best First Time Homebuyers Mortgage in Lee's Summit, look no further than the FHA home loan. The FHA loan is a great way for people who can't afford the 20% down that a conventional loan requires to buy a home in such a wonderful place like Lee's Summit, MO. We really love working with first time home buyers and especially with people who want to live near the city we love and where our offices are! Darren Copeland has been doing FHA loans for over 10 years and is ready to help educate you and his … (0 comments)
lees summit: Lee's Summit Home Loan
- 06/23/15 12:49 AM
While working on a project, I realized that I didn't have all the tools to get the job done, and that's a must for projects, Your Lee's Summit Home Loan is just like that. You want to have all the right tools to get the job done quick and stress-free. While my project didn't go so well (I always end up going to home depot 5 or 6 times!) The Darren Copeland Mortgage Team can help you with all the right tools to get the job done well, quickly and with as little stress as possible. If you're looking for an FHA … (1 comments)
lees summit: What's a COE and Why is it important
- 06/16/15 02:09 AM
If you're a veteran or active duty military member, you might know about your DD214, but What's a COE and Why is it important? It's very important and we'd like to take a few moments to explain this for anyone who is looking to get a VA Loan. This is probably the key element of getting a VA home loan; the COE (and DD214) verify your VA loan eligibility. When you've gotten a hold of a lender who specializes in VA Loans (like we do) they are going to want to make sure you qualify, and the way they do that is … (3 comments)
lees summit: VA Loans for Lee's Summit Homes
- 06/15/15 12:59 AM
There's nothing better than VA Loans for Lee's Summit Homes! It's probably the best mortgage program out there right now and it's a great way to get a new home, however there are some qualifications that you must meet to get a VA home loan! We'd like to cover those in this blog post and help you understand why this mortgage program is the best out there. In order to get a home in Lees Summit, MO using a VA Loan you'll need to do the following things. Served active duty in ANY branch of the United State Armed ForcesAir Force, Army, … (0 comments)
lees summit: VA Appraisals and Common Repairs
- 06/11/15 04:05 AM
The VA loan option offers many veterans the option of securing a home loan with several benefits and advantages. Because this program is backed by the government, it requires a unique appraisal process. (FHA loans require this too.) To ensure the property meets VA loan requirements, an appraiser will be assigned to review the property. This is NOT the same as a home inspection since the appraiser is looking out for the best interests of the government since it's providing the loan backing. In order to look out for YOUR best interests, you're highly encouraged to hire an independent home inspector. The … (3 comments)
lees summit: The Importance of a Real Estate Agent
- 06/09/15 02:04 AM
If you’re ready to become a homeowner, it’s important to work with someone with local credibility and a reputation for honesty. That's the importance of a real estate agent. For home buyers, the real estate market can be foreign. Therefore, working with a trustworthy real estate agent will help home buyers feel more comfortable. Below are reasons why it’s important to work with a local real estate agent. The real estate agent will know and understand the market. Real estate agents are needed to understand the state of the local market and they take it as a full time job. In fact, they fully … (2 comments)
lees summit: Can any branch of the military apply for a VA loan?
- 06/05/15 01:04 AM
A common question we hear around the office - Can any branch of the military apply for a VA loan? Simply put - YES! VA loans are a program for any veterans who serve currently, or have served in the past, for any division of the Armed Forces. It's not something privy just to the Army, Navy or Air Force. Anyone who's served our country and enlisted may be eligible for a VA Loan. VA Loan benefits apply to all divisions of the U.S. Armed Forces VA Loan EligibilityYou may be eligible for a VA loan if you have served in any of these Armed … (0 comments)
lees summit: VA Loans and Homes for Heroes help veterans with mortgages
- 06/02/15 01:10 AM
Are you like my family and have a pile of coupons or ads displaying the best 'deals' of Christmas sitting to the side of your desk, waiting for you to redeem them as you Christmas shop? Whether it's the $10 Kohl's cash or the BOGO coupon for new shoes, most of us want a deal this holiday season... and beyond. We love to save money and to spend less. Looking for a deal on mortgages and home loansI meet many who are hoping for a 'deal' when it comes to home loans and mortgages. For those who are eligible for a VA loan, there may … (5 comments)
lees summit: 3 Tricks to Choosing the Right Home
- 06/01/15 12:59 AM
You're looking into VA loan benefits, you're most likely house hunting. While I'm not a pro when it comes to finding real estate (but I can refer you to some if you need) - I do understand that it's important to think ahead when buying a house. As you tour homes in search of your next residence, here are the 3 Tricks to Choosing the Right Home. 1. Thing Big PictureLook ahead and come up with a 5 or 10-year-plan as you house hunt. Will you start a family, raise a family or even become empty-nesters? Will you want more room to host big … (0 comments)
lees summit: The Importance of Getting Pre-Approved.
- 05/19/15 03:08 AM
To know the importance of getting pre-approved means that before you begin the exciting process of looking for a home, you need to connect with a local mortgage lender. A trusted mortgage lender can then begin the process of getting you pre approved.
Why should I get pre approved first?There are several reasons it’s critical to be pre approved before looking for a home. First, most realtors won’t show you houses until you have an approval letter from a bank. Second, a mortgage lender will be able to discuss with you how much home your family can afford. Even if there are issues with … (15 comments)
lees summit: Get Mortgage Ready.
- 05/18/15 12:39 AM
We always ask our clients one question when they first come in our offices to discuss getting a home loan "What do I need to do to Get Mortgage Ready?" Believe it or not, some people don't know the answer to this question, and honestly we don't mind helping people understand what it takes to be mortgage ready. In fact, we answer this question so much that we've created a video that goes out to folks who are interested in getting a home loan through our office that explains what getting mortgage ready means and how it can affect their home purchasing … (0 comments)
lees summit: How Can I Avoid a PMI Payment
- 05/14/15 01:12 AM
PMI, also known as Private Mortgage Insurance, is put into place to simply protect a lender in the event that a home buyer defaults on their mortgage. From the mortgage lender’s perspective, PMI is necessary in order to protect their investment and in turn, keep their rates low. This ensures that a mortgage lender can safely do business with you. When is a PMI payment needed?A mortgage lender is often going to require a PMI payment if the borrower does not provide a 20% down payment on the home. If this is not possible, the loan becomes a riskier investment for the lender, … (2 comments)
lees summit: 3 Reasons Lee's Summit is great for VA Loans
- 05/11/15 01:16 AM
Lee's Summit MO is a great place to live and VA Loans are great for veterans, put them together and you get 3 Reasons Lee's Summit is great for VA Loans. 1. Lee's Summit is one of the best suburbs in the Kansas City Missouri area to raise a family with great schools, great parks and wonderful neighborhoods all nearby to shopping and restaurants. This community has been growing and thriving for decades and they know how to throw a party! The VA Home Loan is great for a family looking to move into this region, especially those who've just left the military … (0 comments)
lees summit: 4 Helpful hints to get a VA Loan
- 05/08/15 01:00 AM
If you're a veteran or active duty military member you should be interested in 4 Helpful hints to get a VA Loan. The VA Home Loan is the best option for servicemen and women to get a house, if you already know the greatness of this amazing loan program, then you can click here to apply for preapproval, if not then feel free to read on and find out more about how awesome this program is for our military men and women. Now let's move on to those 4 Helpful hints to get a VA Loan: #1 - Find out if you're eligible. Darren … (0 comments)
lees summit: 3 Reasons an FHA Home Loan might be right for you
- 05/06/15 11:51 PM
IF you're wanting to purchase a home, let me share with you 3 Reasons an FHA Home Loan might be right for you and how you can get pre-approved for an FHA Loan. When it comes to buying a home, it really is a huge investment, people save for years to get a down payment, but if you're not one of the 'saving' type people then you might consider the FHA mortgage program because of it's lower down payment. Instead of having to pay the full 20% down payment that is required by the conventional loan program, you'll only have to pay … (0 comments)
lees summit: The 4 Biggest Mortgage Mistakes
- 05/05/15 12:11 AM
We live in a world where instant gratification is everything, but the home loan process takes time, so we'd like you to know The 4 Biggest Mortgage Mistakes that can slow down the process. 1. Lying. This should be pretty obvious but it never fails that someone doesn't fill us in completely on their financial history, they 'forget' to mention bankruptcies, foreclosures, getting their cars reposessed. When you're filling out your pre-approval application, be honest; because we'll have to come back and verify all that information later in the process, and that means more stress for you and for us as well. 2. Changing … (6 comments)
lees summit: The 7 Best VA Loan Benefits
- 05/04/15 02:21 AM
We love our military service men and woman and we wanted to share with you The 7 Best VA Loan Benefits that are available to you when you're looking into purchasing a home!
#7 - You can Pre-pay and there aren't any penalties for early payment! #6 - The Closing Costs are comparable to other home loan programs such as FHA, USDA or Conventional. #5 - You won't have to pay for Premium Mortgage Insurance (also known as PMI.) #4 - The Lee's Summit/Kansas City MO area loan limit is $417,000 #3 - VA Loan Rates are generally lower than other mortgage program rates. #2 - The … (0 comments)
lees summit: VA Loan Lee's Summit
- 04/30/15 12:08 AM
If you're a military serviceman or woman, whether active-duty or retired the best home loan for you is the VA Loan Lee's Summit. Some of the reasons that the VA home loan is the best for our armed forces members are: No Down Payment Typically Lower Interest Rates Relaxed Credit Standards (but you will have to have good credit to qualify) Caters only to United States Military Members You can use it repeatedly Loan Limit of $417,000 in the Lee's Summit MO/Kansas City Missouri area If you're considering purchasing a house and you've served our country in any of the branches of … (3 comments)
This is Darren Copeland's Blog, Darren is a Senior Mortgage consultant and mortgage banker in Lees Summit, MO and for the rest of the Kansas City Area with Leader One Financial. We specialize in Home Mortgage loans specifically FHA loans, VA Loans, Conventional loans and even reverse mortgages for seniors! Check our blog for information about Home Loans and Mortgage tips and news for Home Buyers and; Real Estate Agents!
Call us today to get started
(816) 268-4025
When you're going through the mortgage process there's a few things you need to do, but we get asked a lot: When Can I Buy a New Truck? We understand that you really want that new truck to help you move the stuff from your old house or apartment into your new place, but there's a something you need to know while you're in the home loan process...Watch an episode from our "Ask Darren" series where we talk to a local Kansas City realtor about how this can affect your mortgage. 
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