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Raytown : Real Estate Advice

  • All34
  • Local Info4
  • Home Buying6
  • Home Selling3
  • Market Conditions1

Activity 13
Tue Jul 4, 2017
Kathy Burgreen answered:
The big issue for you is not having a job. The best thing that would work is buying a pet friendly condo or a cheap house even if it needs cosmetic work. You would have to pay all cash for this home (no mortgage loans) and live there until you find a job. Once you're employed for 2 years, sell the home and move into something better. This gives you 2 years solid employment which lenders want and you can improve your credit score if needed. You will also have time to save up some extra cash to pay closing costs and a down payment.

You cannot rent because you don't have a job. You cannot buy a home that requires taking out a mortgage loan because you don't have a job. So that leaves you with the option I gave - buy a pet friendly condo or a cheap house and pay all cash for it. Nobody will care whether you have a job or not. And you can sell it later on. Just make sure the new home is structurally sound. Pay for a home and roof inspection. Don't worry if the kitchen or bathroom needs updating. The asking price is cheap for that reason.
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Wed Aug 12, 2015
Tbaproductline answered:
Fri Jan 2, 2015
Taylor Akinmoladun answered:
There are a few homes in Raytown that the owner has listed willing to sell as a lease purchase or with owner financing. It depends on your home needs, bedrooms/bathrooms/garage/etc and price range you need to stay in. Let me know if you would like me to look into some of the homes currently on the market and see if they fit your needs. ... more
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Thu Mar 27, 2014
Nia Kley answered:
Yes Dirty Dons is also in Raytown, its about 10 minutes away or so.
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Mon Mar 10, 2014
Ken answered:
Tue Dec 17, 2013
Linda Hamm answered:
MLS # 1837710- Hi, Lois, this home is no longer available, it's currently under contract and being shown for back up offers only. I do have several others that may work for you though. I'll email them this afternoon, Linda 816-616-9876 ... more
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Thu May 16, 2013
Janie Schoonmaker answered:
I have on occasion been able to assist the pot. buyer to convince the seller that they, in a certain of time would be credit--worthy. Usually the seller wants a significant amt. of money as NON-REFUNDABLE down payment, so that if the buyer DOESN"T go through with the purchase, the sellers are not out the market time for their efforts in chosing to believe in the buyer.

It can be a win-win situation for both sides if you have cooperation and willing participants. The realtor needs to be able to help convince the seller that this is a good arrangement for all concerned.

If you would like my help, feel free to call me. I'm a full time realtor with Reece and Nichols in Lee's Summit and would love to help. Name is Janie Schoonmaker, cell) 816-665-4317
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Fri Jan 18, 2013
Andy answered:
Depends on many variables such as condition, neighborhood, curb appeal, price, and demand for homes in Raytown. I have lived in Raytown 13 years and have seen homes for sale ranging from 1 month to over a year. When the KCMO School District lost accreditation on December 2011, 2 homes near me sold almost immediately. One was a new listing while the other had been on the market previously and was listed a few months before KCMO schools lost accreditation. I suggest you interview at least 3 Realtors, ask them to present comps for the area (comparing homes in the area similar to yours) and then list with one of the Realtors. ... more
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Fri Sep 7, 2012
Pamela Shemet answered:
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Sun Jun 5, 2011
Dj asked:
I am in the process of refinancing a conventional loan to FHA. I believe that I may be asked to relocate out of state within the next month or two. I have had the house on the market for…
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Thu Jul 15, 2010
Merry Anne Robinson answered:
I would check your credit - there are many sites online to do this - but annualcreditreport.com is free. You need a minimum credit score to qualify for a 100% government loan like USDA, so I suggest you call an area lender to see what that minimum number is. 5 Years is a long time, so if you've maintained your other bills and have paid your rent on time - you may be surprised.
If that isn't an option, see if owner financing would be an option. Many sellers will offer that to you if you have been a good renter and have paid on time. The rate of interest will be higher, but having a record of on time payments can dramatically increase your credit score.
Let me know if I can be of further assistance.
Good Luck!!!
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Sat Jan 9, 2010
Dan Chase answered:
4 walls on the outside. A roof that is in good shape with no leaks. Insulation, newer furnace, and windows (energy costs). Good condition. First floor living (kitchen, bedroom, laundry). Easy floor plan to get around in. Ability to get a wheelchair in and around (just in case). Not to long a driveway if I have to plow snow. A longer driveway if I do not. Reasonably close to a v.a. hospital or clinic. 40 acres or more, I might settle for 20 if everything else was perfect. Far from a lot of noise and hustle. A nice solid foundation, not concrete blocks.

The most important amenity, a low price, low taxes, and decent neighbors. The neighbors are the more valuable part of the property. (A big garage is to drool over)

The least desirable things, stainless and granite. Keep the expensive crap away. I want low price and functional.
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