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Home Buying in Kansas : Real Estate Advice

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  • Local Info2
  • Home Buying28
  • Home Selling11
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Activity 599
Tue Nov 14, 2017
Andikjohnson asked:
Without fail for the last six years. However it does not go on his credit so his FICO is only 568 last I checked
Can someone help us in KS?
0 votes 0 Answers Share Flag
Fri Aug 11, 2017
Prosper Realty answered:
HUD Homes are homes that typically need some work done. The upside of buying a HUD Home is that you can get an excellent deal via bidding on the HUDHomestore. Try contacting Home Loans For All. We've sent quite a few clients to them that were interested in HUD Homes. They have HUDHomestore access and they have multiple lenders that deal a lot in HUD Home. I'll include a link to them.

Best of luck!
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Fri Jul 28, 2017
Mary answered:

The photos have been removed from our display as you requested.

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Sun Jul 16, 2017
Dan Leeper answered:
Great question! It's certainly possible to qualify for a new loan in your current situation. Some things to consider would be that you may need to present a letter of employment from your future employer that would indicate your start date. Best place to start would be discussing your needs with a loan officer in the state you are moving to. If you have any other questions, feel free to reach out to me. ... more
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Sun Jul 9, 2017
John Slamons asked:
Sat Jun 10, 2017
Doo_doo24 answered:
I am looking for a home to rent in Lawrence area for me my wife and three boys. Looking for a three bedroom or two to make ends meet. Any information would be greatly appreciated
0 votes 4 answers Share Flag
Wed Jun 7, 2017
Eric W Vander Werff answered:
Could you use a program like FHA that allows for a credit score down to 580 and has some more flexibility? I help folks in that situation all over the country. Maybe your situation would work now, maybe not - but I would recommend a well reviewed loan officer to review your credit, income, assets, etc and double check what you may or may not qualify for. ... more
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Tue Jun 6, 2017
Erik Jon Dunwell asked:
It is on the corner of 95th St. and Lowell, there is a 4 way stoplight here, the house sits on the southwest corner. I would love for someone to tell me who owns it or how to find out who…
0 votes 0 Answers Share Flag
Mon May 15, 2017
Kathy Burgreen answered:
Based on your reply below, the issue is you are self employed now. You need to understand that if you were employed with a company and receive a W2 (regular salary), lenders can easily verify your income and only need 1 month of paystubs or a letter from the employer.

Workers who are self employed, independent contractors, commission paid or receive a 1099, lenders cannot verify your income easily. Lenders need a 2 year work history + 2 years tax returns so they can average out your income and arrive at an estimated annual income.

Since you are self employed, you will need to wait the 2 years. No lender will give you a loan even with a co signer. You will also need cash to pay for closing costs. Income from foreign countries can count but in your situation, it makes no difference because of your self employment now.
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Fri May 12, 2017
Kelly Berrigan answered:
To add to above. First lender was thru bank of England. They would not take collections, even though I paid them off. Also refused to take kids SSA income even though I am rep payee and they are permanently disabled (autism/seizures) and will live with me (USDA Direct DOES take SSA income and it's standard for them). Brought my credit score up from 643 to 682 in a month. I'm aggravated as, I have been through the process, 2 times...Direct took 30 days to tell me I made 7k too much for their program, and first one had me move up closing, with money down on a home, only to not check with his underwriters who said they wouldn't take collections, even though paid off. collections were from loss of job, 2 years after bankruptcy but are paid in full.

any help would be great.
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Wed Apr 26, 2017
Mac1vickimcdonald asked:
Wed Apr 5, 2017
beccad528 asked:
Mon Mar 20, 2017
Amy Dorthy asked:
i have been working on my credit score i have been living in housing for 5 years now. I have 4 kids. I know that my score is 517 with trans-union and equifax is 524. is my best option a…
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