Can You Afford a House?

Mortgages.  Depending on the price of your home and/or the amount of your down payment, there may be several options that fit your needs.  They include VA (for military veterans only) which allows 100% financing for the purchase, FHA (Federal Housing Administration) which allows a purchase with as little as 3% down and Conventional, generally the best option when putting down 20%. Did you know about the USDA Home Loan?  USDA loans are one of the only home loans available today with no down payment required.  Homebuyers may finance a home for 100% of the purchase price.  No Funds For Closing, 100% financing to buyers and closing costs can be paid by the seller or rolled into the loan, provided the home appraises for more than the purchase price.  It’s not Just Farmland, properties are often near desirable metropolitan areas like Basehor, Kansas.

I am super lucky to work with one of the best lenders in Kansas City.  Although, I know there are many excellent mortgage lenders in the area, I personally prefer someone that interact with on a personal and professional level.  Erik Lorfing at Mortgage Lenders of America has down all of my personal home loans and he is the one I refer all my friends and family as well.  He is has been in the mortgage business for years and knows what he is talking about.  One of the reasons my clients love him is that he can explain the mortgage process to you in way you understand it.  You know those silly mortgage commercials that use all that fancy wording and for some homebuyers, it just confuses them more.  When you are honest and genuine I think you will relate better, in my opinion.

When you work with an Exclusive Buyer Agent with RE/MAX(that would be me) in finding your home, they unequivocally represent only you and your best interests.  I will assist you in the mortgage process and make sure you understand every little detail.   You, as a Buyer, get the benefit of The Fred Perry Team’s experience in negotiating countless contracts over the past 40+ years.

You not only get the benefit of a my team’s experience, but it doesn’t even cost you anything.  As before, when all agents represented the Seller and the Seller paid their commission, the Seller still pays!  In most real estate transactions, there are two agents involved: one represents the Seller and we represent you.  The agents spilt the commission…that’s how we get paid.

Erik Lorfing

Mortgage Lenders of America

10975 El Monte

Overland Park, KS 66211

elorfing@mloanusa.com

Office: (913) 491-4299

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