FIRST TIME HOME BUYER PROGRAMS KANSAS

FHA First Time Home Buyer Programs have been helping Kansas residents since 1934 

 

FIRST TIME HOME BUYER PROGRAMS KANSAS

A knowledgeable & licensed Kansas 'First Time Home Buyer Program' Specialist can offer you a better loan including:

  • Low down payments (if any)

  • 24 Hour Pre-Approval

  • Low closing costs

  • Easier credit qualifying

  • Access to many of the unique

    State Specific Federal Government Backed Programs that may be available to Kansas First Time Buyers.

Kansas First Time Home Buyer Loan

If you’re buying your first home, then this is the perfect place to start. And don't fear: We have the first time home buyer specialist that answer all the questions you want to ask, — and, those you haven't thought of yet.  home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Kansas with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Kansas USDA Home Loan

If you live in a small town, rural area or farmlands situated in a location approved by USDA Rural Development, you may be able to purchase a home with up to 100% financing. The United States Department of Agriculture (USDA) were designed to encourage rural development, meaning city homes are excluded. United States Department of Agriculture (USDA) sets lending guidelines for the program, which is why it can feel confident in your home financing decisions with step-by-step guidance from an experienced USDA Mortgage Banker.

 

Buying a 'Fixer Upper' in Kansas & Adding Additional Funds for Home Improvements

An FHA 203K Purchase and Rehab Loan can work in this situation. The 203K has many advantages. Put simply it is a mortgage insured by FHA that allows a home buyer to add rehab funds into a mortgage.

VA Veterans Home Loans in Kansas

The VA Home Loan is a Federal Program designed for United States Armed Forces, Military Retiree, Veterans, National Guard and Reservists, as well as Spouses.

Kansas Construction Home Loan

At last, a single loan that lets borrowers finance the construction of their home. You can even 'bundle the purchase of the land' land with your construction loan under what is called the 'One Time Close' loan. Guidelines for this program, can be found by clicking here: 'FHA Construction Loan Programs'  or here: 'VA Construction Loan Programs'

Buying a 2 Family or 3 Family Investment Property in Kansas

You can buy from a duplex residence all the way up to a 4 unit home with a Government Backed FHA Loan , as long as the property is owner occupied. .

Kansas FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√   Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

Kansas FHA Lending Limits 2017

 

County Name Single Duplex 3 Unit 4 Unit
ALLEN $275,665 $352,950 $426,625 $530,150
ANDERSON $275,665 $352,950 $426,625 $530,150
ATCHISON $275,665 $352,950 $426,625 $530,150
   ATCHISON, KS
BARBER $275,665 $352,950 $426,625 $530,150
   NON-METRO
BARTON $275,665 $352,950 $426,625 $530,150
   GREAT BEND, KS
BOURBON $275,665 $352,950 $426,625 $530,150
BROWN $275,665 $352,950 $426,625 $530,150
BUTLER $275,665 $352,950 $426,625 $530,150
   WICHITA, KS
CHASE $275,665 $352,950 $426,625 $530,150
CHAUTAUQUA $275,665 $352,950 $426,625 $530,150
CHEROKEE $275,665 $352,950 $426,625 $530,150
CHEYENNE $275,665 $352,950 $426,625 $530,150
   NON-METRO
CLARK $275,665 $352,950 $426,625 $530,150
CLAY $275,665 $352,950 $426,625 $530,150
CLOUD $275,665 $352,950 $426,625 $530,150
COFFEY $275,665 $352,950 $426,625 $530,150
COMANCHE $275,665 $352,950 $426,625 $530,150
COWLEY $275,665 $352,950 $426,625 $530,150
   ARKANSAS CITY-WINFIELD, KS
CRAWFORD $275,665 $352,950 $426,625 $530,150
   PITTSBURG, KS
DECATUR $275,665 $352,950 $426,625 $530,150
   NON-METRO
DICKINSON $275,665 $352,950 $426,625 $530,150
DONIPHAN $275,665 $352,950 $426,625 $530,150
   ST. JOSEPH, MO-KS
DOUGLAS $275,665 $352,950 $426,625 $530,150
   LAWRENCE, KS
EDWARDS $275,665 $352,950 $426,625 $530,150
ELK $275,665 $352,950 $426,625 $530,150
ELLIS $275,665 $352,950 $426,625 $530,150
   HAYS, KS
ELLSWORTH $275,665 $352,950 $426,625 $530,150
FINNEY $275,665 $352,950 $426,625 $530,150
   GARDEN CITY, KS
FORD $275,665 $352,950 $426,625 $530,150
   DODGE CITY, KS
FRANKLIN $275,665 $352,950 $426,625 $530,150
   OTTAWA, KS
GEARY $275,665 $352,950 $426,625 $530,150
   JUNCTION CITY, KS
GOVE $275,665 $352,950 $426,625 $530,150
GRAHAM $275,665 $352,950 $426,625 $530,150
GRANT $275,665 $352,950 $426,625 $530,150
GRAY $275,665 $352,950 $426,625 $530,150
GREELEY $275,665 $352,950 $426,625 $530,150
   NON-METRO
GREENWOOD $275,665 $352,950 $426,625 $530,150
HAMILTON $275,665 $352,950 $426,625 $530,150
HARPER $275,665 $352,950 $426,625 $530,150
HARVEY $275,665 $352,950 $426,625 $530,150
   WICHITA, KS
HASKELL $275,665 $352,950 $426,625 $530,150
HODGEMAN $275,665 $352,950 $426,625 $530,150
JACKSON $275,665 $352,950 $426,625 $530,150
   TOPEKA, KS
JEFFERSON $275,665 $352,950 $426,625 $530,150
   TOPEKA, KS
JEWELL $275,665 $352,950 $426,625 $530,150
JOHNSON $308,200 $394,550 $476,900 $592,700
   KANSAS CITY, MO-KS
KEARNY $275,665 $352,950 $426,625 $530,150
   GARDEN CITY, KS
KINGMAN $275,665 $352,950 $426,625 $530,150
   WICHITA, KS
KKansas $275,665 $352,950 $426,625 $530,150
LABETTE $275,665 $352,950 $426,625 $530,150
   PARSONS, KS
LANE $275,665 $352,950 $426,625 $530,150
LEAVENWORTH $308,200 $394,550 $476,900 $592,700
   KANSAS CITY, MO-KS
LINCOLN $275,665 $352,950 $426,625 $530,150
LINN $308,200 $394,550 $476,900 $592,700
   KANSAS CITY, MO-KS
LOGAN $275,665 $352,950 $426,625 $530,150
LYON $275,665 $352,950 $426,625 $530,150
   EMPORIA, KS
MARION $275,665 $352,950 $426,625 $530,150
MARSHALL $275,665 $352,950 $426,625 $530,150
MCPHERSON $275,665 $352,950 $426,625 $530,150
   MCPHERSON, KS
MEADE $275,665 $352,950 $426,625 $530,150
   NON-METRO
MIAMI $308,200 $394,550 $476,900 $592,700
   KANSAS CITY, MO-KS
MITCHELL $275,665 $352,950 $426,625 $530,150
MONTGOMERY $275,665 $352,950 $426,625 $530,150
   COFFEYVILLE, KS
MORRIS $275,665 $352,950 $426,625 $530,150
MORTON $275,665 $352,950 $426,625 $530,150
NEMAHA $275,665 $352,950 $426,625 $530,150
NEOSHO $275,665 $352,950 $426,625 $530,150
NESS $275,665 $352,950 $426,625 $530,150
   NON-METRO
NORTON $275,665 $352,950 $426,625 $530,150
OSAGE $275,665 $352,950 $426,625 $530,150
   TOPEKA, KS
OSBORNE $275,665 $352,950 $426,625 $530,150
OTTAWA $275,665 $352,950 $426,625 $530,150
   SALINA, KS
PAWNEE $275,665 $352,950 $426,625 $530,150
PHILLIPS $275,665 $352,950 $426,625 $530,150
POTTAWATOMIE $275,665 $352,950 $426,625 $530,150
   MANHATTAN, KS
PRATT $275,665 $352,950 $426,625 $530,150
   NON-METRO
RAWLINS $275,665 $352,950 $426,625 $530,150
RENO $275,665 $352,950 $426,625 $530,150
   HUTCHINSON, KS
REPUBLIC $275,665 $352,950 $426,625 $530,150
RICE $275,665 $352,950 $426,625 $530,150
RILEY $275,665 $352,950 $426,625 $530,150
   MANHATTAN, KS
ROOKS $275,665 $352,950 $426,625 $530,150
RUSH $275,665 $352,950 $426,625 $530,150
RUSSELL $275,665 $352,950 $426,625 $530,150
   NON-METRO
SALINE $275,665 $352,950 $426,625 $530,150
   SALINA, KS
SCOTT $275,665 $352,950 $426,625 $530,150
SEDGWICK $275,665 $352,950 $426,625 $530,150
   WICHITA, KS
SEWARD $275,665 $352,950 $426,625 $530,150
   LIBERAL, KS
SHAWNEE $275,665 $352,950 $426,625 $530,150
   TOPEKA, KS
SHERIDAN $275,665 $352,950 $426,625 $530,150
SHERMAN $275,665 $352,950 $426,625 $530,150
SMITH $275,665 $352,950 $426,625 $530,150
   NON-METRO
STAFFORD $275,665 $352,950 $426,625 $530,150
STANTON $275,665 $352,950 $426,625 $530,150
STEVENS $275,665 $352,950 $426,625 $530,150
SUMNER $275,665 $352,950 $426,625 $530,150
   WICHITA, KS
THOMAS $275,665 $352,950 $426,625 $530,150
TREGO $275,665 $352,950 $426,625 $530,150
WABAUNSEE $275,665 $352,950 $426,625 $530,150
   TOPEKA, KS
WALLACE $275,665 $352,950 $426,625 $530,150
   NON-METRO
WASHINGTON $275,665 $352,950 $426,625 $530,150
WICHITA $275,665 $352,950 $426,625 $530,150
WILSON $275,665 $352,950 $426,625 $530,150
WOODSON $275,665 $352,950 $426,625 $530,150
WYANDOTTE $308,200 $394,550 $476,900 $592,700
   KANSAS CITY, MO-KS