www.JBPRealtyGroup.com

The Ever Changing Kansas City Marketplace

Jason Brown Premier Realty Group keeps you current on changes in the Kansas City marketplace.  Our sensitivity to changing market conditions allows us to provide our clients proper guidance when buying and selling their homes.  Being alert and looking at developments that affect our client's real estate investments allows for a quick response before the rest of the market reacts. Assisting home buyers with locating great mortgage lenders, title companies and other affiliate resources is an important part of what we do. When you need guidance with your real estate transaction, contact Jason Brown Premier Realty Group.

Jason Brown Premier Realty Group
Jason A. Brown
Keller Williams Realty Partners
11005 Metcalf Ave.
Overland Park, KS  66210
Group: (913) 906-5417
Direct: (913) 915-6008
Fax: (913) 744-2617
Email: JasonBrown@KW.com
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Get Pre-Approved For A Kansas City Mortgage Loan

It costs nothing to get pre-approved for a home loan with an excellent LOCAL mortgage lender, so obtain the peace of mind in knowing your complete purchasing ability. Start by checking the average national and local rates...

Check Rates Nationwide

...but don't select your lender and loan officer based solely on the interest rates they advertise.  The FEES charged to close a loan can be just as important, especially if there's a chance you won't be staying in the home long or if refinancing soon thereafter is a distinct possibility.

An excellent way to get pointed in the right direction is to ask a Realtor. We work every day with the best Kansas City and Johnson County KS mortgage lenders. Our livelihoods depend on lenders who are diligent and make things happen. We know the lenders who offer excellent interest rates, low fees, great service and a high success rate of getting their deals to the closing table. So feel free to email me to ask who I'd recommend and I'll be happy to send you the short list of our preferred lenders.

	Are You Saving Up The Down Payment To Buy Your First Home? How Much of a Down Payment Do You Need?   The amount of down payment needed depends in large part on the type of mortgage you get.  VA (Veterans) loans require no down payment.  If you want to avoid paying PMI (mortgage insurance), then you will need to put 20% or more down.  Many loans are done with as little as 5% down and many other first time home buyer programs offer as little as three percent down.  Lenders have become more willing in recent year to allow buyers to finance a majority of their home.  The main reason this has occurred is because Fannie Mae (Federal National Mortgage Association) has changed its lending criteria to include financing up to 97% (formerly it was 80%).  Buyers should keep in mind that small down payments have their obvious drawbacks.  As discussed above you will have to pay PMI (i.e. could top $500 a year on a $200,000 loan with 5% down payment.)  You will also have little to no equity in your home.  For buyers who are short on cash flow, but who have good credit, getting two individual loans (called piggy backing a second) is an option.  This option offers 100% financing (80% of the loan on the 1st & the other 20% of the loan on the second).  The fees resulting from doing two loans may be hirer, and the interest rate on the second loan will surely be higher, but for some people this is the best option available.

Learn About Your Credit Report & FICO Scores

Want to learn about YOUR credit ratings and FICO scores, including how to get a FREE copy of YOUR credit report?

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Kansas City Real Estate Blog