www.JBPRealtyGroup.com
First Time Kansas City Home Buyers
Jason Brown Premier Realty Group understands that First Time Home Buyers in Kansas City need expert representation when purchasing their first home. The excitement of buying your first home is unmatched. Making the decision to stop renting and start putting your money into a home is clearly a sound investment. You will be able to start earning equity on your home and receive the all important mortgage interest tax deductions! But there are many difficult decisions that lie ahead and we will help guide you to down the road to your first home!
Jason Brown Premier Realty Group has extensive experience assisting Kansas City First Time Home Buyers.Whether buying your first home in Kansas City, Overland Park KS, Lenexa KS, Shawnee KS, Olathe KS, Leawood KS, Gardner KS or Johnson County Kansas, it is vital you get connected with an agent who understands the factors important to you and will look after your best interests. There are many factors to consider. What style of home best fits you? What price range can you afford? What areas should you consider? We are the resource that will answer all your home buying questions.
  
Don’t begin your home search without us!
· Jason Brown Premier Realty Groupwill help you get preapproved for a home loan so you'll know what you can afford. Preapproval also makes your offer to purchase a home more powerful with home sellers.
· Jason Brown Premier Realty Group will quickly show you the areas that fit your wants and needs and we will provide the services necessary to complete a thorough and productive home search.
· Jason Brown Premier Realty Group will provide you expert guidance during crucial contract negotiations. We are local area buyer's agent experts who understand area property values. We will get you the best price and terms.
· Jason Brown Premier Realty Group will provide expert guidance throughout the real estate process and will track your home’s progress as we move towards the closing date.
· Jason Brown Premier Realty Group is proactive from contract to closing to prevent contractual problems from arising.
· Jason Brown Premier Realty Group representation comes at no cost to you, as our fee is paid from the Home Seller’s closing proceeds.
  
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Looking for Homes For Sale in Kansas City, Overland Park Kansas, Lenexa Kansas, Olathe Kansas, Shawnee Kansas, Leawood Kansas, Gardner Kansas, Prairie Village Kansas, Johnson County KS or the surrounding area? >> Locate Kansas City Homes For Sale.
Contact Jason Brown Premier Realty Group today and we will lead you down the path to your Kansas City dream home! You can begin your quest right now by reading our 10 Steps To Buying A Home. Then let us know your more specific needs and we will begin providing you the completely specialized real estate service you need and deserve.
These steps may vary depending on personal situations.
Step 1: Contact Jason Brown Premier Realty Group
Choose the Realtor who understands home construction and knows what to help you look for when buying your first home. Choosing a poor home would be a HUGE mistake and can be avoided.
Call Jason Brown Premier Realty Group today and avoid being steered into the wrong home!
Step 2: Pre-Approved
Jason Brown Premier Realty Group will help you get "pre-approved" for a loan. This means a lender will informally qualify you for a loan by getting basic information on your income, debts and credit. By getting pre-qualified, you can find out how much you can borrow for a home. During this time you should accumulate as much as you can for your down payment and closing costs, which may consist of fees from the lender such as an origination fee, taxes, title insurance and possibly "points" to obtain a lower interest rate. This will ultimately lower your monthly mortgage payment and potentially qualify you for a better loan. If a parent is providing "gifting" money to help with the down payment, there are laws that limit the amount that can be given as a "gift". Many lenders will want to see that you have been working in the same field, preferably with the same company for at least two years. Should there be gaps in your employment record you need to be prepared to explain them in writing to the lender. Lenders will also consider the amount of credit you currently carry and your record in making timely payments on any outstanding balances. They will look at the length of time you will be further obligated to pay on your current debts. The lender obtains this information from your "credit report", which will also show your "credit score". The lender will use your credit score to determine your overall credit history. If your credit profile indicates that you have an unsatisfactory credit history you may need to take some time to rebuild your credit rating to obtain a mortgage loan.
Step 3: What kind of home and where?
Now that we know your price range we can make decisions on what kind of home you want and need. Consider what you want versus what you need. This will include deciding on home size, location or special features such as fireplace or fence. Focus most on the home's floor plan and how it will accommodate your family. You can always improve your kitchen and bathrooms down the road, but floor plans don't change. You will also want to consider school districts and other factors that are important to you and your family. Consider your home as an investment. What will make your home attractive to purchasers when you are ready to sell? A couple without children would not be interested in local schools for themselves, but the quality of local schools may be an important factor when they want to sell the house. Whether looking in Overland Park, Lenexa, Olathe, Shawnee, Leawood, Gardner, Prairie Village, Johnson County KS or the surrounding Kansas City area, Jason Brown Premier Realty Group will help you with these important decisions.
Step 4: House hunting
Jason Brown Premier Realty Group will show you enough homes to have a sound basis for making a final decision. When looking at homes, visualize their true potential. Getting past green carpet or lime walls is important. Those items can be replaced or changed. Consider several neighborhoods. You may have your heart set on a specific neighborhood, but some areas are likely out of the price range of first time homebuyers. You'll likely find that homes are less expensive the farther away from major job centers. So if you are willing to accept a longer commute, you may end up with a house in which you don't have to sacrifice your wants. When you find the right home, as your buyers agent we will help you carefully evaluate all factors pertaining to making an offer.
Step 5: Make an offer and sign a purchase contract
Jason Brown Premier Realty Group will prepare the necessary contract documents when we find the perfect home. I will help you understand the documents involved in the real estate transaction. The contract will also include an earnest deposit check from you. We will make sure the Offer allows you to get your earnest money back if a professional inspection reveals problems with the house, or if you aren't able to get approved for a mortgage loan.
Step 6: Get professional inspections
Jason Brown Premier Realty Group will make sure your Purchase Contract permits you to have various professional inspections and will govern your rights if the inspections reveal problems with the home. We will help explain Kansas City inspection options to you so you can make an informed decision on how to proceed with the inspection process. Hiring a professional home inspector is a critical step towards making sure the house and its major systems are in good working order.
Step 7: Apply for loan
Mortgage interest rates, fees and other terms can vary widely. Jason Brown Premier Realty Group will help you research the best options for your mortgage loan and will submit the contract to the chosen lender to begin the loan approval process.
Step 8: Final walk-through
Jason Brown Premier Realty Group will set up a walk-through of the property prior to closing so we can be sure no new problems have arisen and that any agreed to inspection items have been addressed.
Step 9: Closing
Prior to closing Jason Brown Premier Realty Group will obtain the closing documents (also called the Settlement Statement) so the documents can be reviewed to be sure all the closing numbers are correct. At closing you will also make the rest of your down payment, pay loan fees, sign all necessary legal documents, and get the keys to your new home. The closing will occur at your lender or at the title company.
Step 10: Moving In
After closing Jason Brown Premier Realty Group will follow up and assist you with any remaining move-in questions you may have. We won't rest until you do. That's our job. We will be there for you all the way.
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