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

My First Listing

I never thought I would be so nervous when it came to listing my brother-in-laws home.  Going into very confident, I soon realized that I was putting all this pressure on myself to be perfect because I didn’t want to mess anything up on my first listing.  This house was a charming ranch in Prairie Village, Kansas (a highly sought after area) and I assumed it would go quick.  The market is super crazy right now in Kansas City, homes are selling in the matter of hours and for over asking price.  Can you imagine trying to purchase your first home for $250,000 and having to offer $20,000 over asking price?  Crazy, but that is exactly what is happening now.  I’m hearing stories everyday about clients losing in bidding wars while still going over list price and its not only frustrating for them, us Realtors are frustrated too.

My brother-in-law and I decided we were going to get the place fixed up and he was going to move out in order to keep it “show ready”.  His family worked so hard to get everything cleaned and staged in order to show home buyers the potential in this home.  He had bought this home back in 2014 for a steal (it was a foreclosure).  For the past couple years he has been doing updates here and there in hopes to sell it when the time was right.  Apparently April 2018 was the right time.  Woo Hoo!

 

Above are some before and after pictures.  I had KC Media Team come over and take the listing photos of all the hard work he did.  Aren’t they great?  I loved how the photos turned out.  Remodeled kitchen, refinished hardwoods throughout living and bedrooms, and fresh paint everywhere make a huge difference.  Beautiful. (Kitchen remodel done by Residential Revival)

We listed it on a Friday and it was under contract by Monday evening.  All that hard work paid off.  Now we wait until closing…

Chemo Mouth

Grr. Imagine all your taste buds float away to cancer hell and you are stuck with everything tasting like cardboard. Oh, that includes water. Yep. Sucks. So I decided that I’m going to just try to get through the next couple months without losing another 20 pounds and then binge out on my favorite food. Most chemo patients suggest avoiding your favorite foods during the chemo process so they aren’t a turn off after you get your taste buds back. 

First stop, Chicago. If I could eat in any city for the rest of my life it would be this place. The Chicago Pizza and Oven Grinder is my number one go to place. It holds a special place in my heart as well, my husband proposed to me there. 

Heaven on a plate. They also have an amazing salad, dressing, and flatbread. I will gain ten pounds that night at dinner. I can already taste it. There is also a burger place that I have to find again, it was years ago. The Art of Pizza is always a good spot. There is Francesca’s, are they still good? Anyway, I am also excited to try s good steak house. Any Chicago restaurant suggestions would be appreciated. 

I’m loving the Kansas City food scene too. My favorite place is Osteria Il Centro and that will be my very first stop on list. 
If you haven’t been then you are missing out. Best place in Kansas City. Fact. Then there is JJ’s on the plaza, Strouds Northland, Pig Witch, Garozzo’s, Bristol, and 715 in Lawrence. 

I make this list to look forward to something. I miss food tasting like food. I miss carbs. I miss wine. We will be together soon again. 

It Snowed, kinda

This lovely Kansas City winter is one for the books for sure.  It is February 22nd and we have had one snow this season it lasted one day.  I was looking forward to playing with the munchkin in the snow this year, maybe buying a little sled to pull her around in.

We weren't quite sure what to think of the snow

So it started snowing one weekday morning and all I wanted to do was call in sick so I could stay home with her and play outside.  Because I am now a responsible adult, I went to work.  I am still hoping for a big snow so we can have a family play day out in the yard but I will never wish away this mild 60 degrees in February.  Maybe next year, and next year I will call in to work sick.