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First off, Congratulations! Buying your first home is a huge step! So many things to think about. One of them is the down payment. 

Whether you are buying a home in Kansas, Missouri, Michigan, Colorado or Florida, give us a call. 
We can help answer your questions, and guide you along the way.


Here ere are some tips to help you save up for a down payment on a new home:


1. Make a budget: Look at your income and expenses and determine where to cut back to save more for your down payment.

2. Set goals: Determine how much money you need and create a realistic timeline for reaching your target. This will keep you motivated and accountable.

3. Automate savings: Set up automatic transfers from your checking account to a separate savings account specifically for your down payment. This way, you don't have to worry about remembering to save each month.

4. Watch your spending: Cut back on unnecessary purchases like eating out or going to the movies so that you can put more money towards your down payment.

5. Look into government help: Research any assistance programs, grants, or loans available to first-time homebuyers in your area that could help with your down payment.

6. Explore down payment assistance: Check out organizations or non-profits that offer programs to assist people like you with their down payments. See if you qualify for any of these initiatives in your local community.

7. Talk to family members: If it's an option, discuss the possibility of receiving financial gifts from family members willing and able to help with your down payment.

8. Increase your income: Consider taking on part-time work, freelancing gigs, or starting a small business on the side to bring in extra money to save for your dream home.

9. Sell unnecessary belongings: Think about selling things you don't need or downsizing to a smaller place to generate some extra cash earmarked explicitly for your down payment.

Remember, it's essential to seek advice from financial experts who can guide you through the options available and help make decisions based on what makes sense for you!

 Looking for the perfect mortgage solution to make that dream a reality? Look no further! As your trusted mortgage consultant, I am here to guide you every step of the way.
At HFMKC, we understand that finding the right mortgage can be a daunting task. With so many options available in the market, it's easy to feel overwhelmed.

​That's where we come in. Our team of experienced mortgage consultants is dedicated to helping you navigate through the complex world of mortgages, ensuring you make informed decisions that align with your financial goals.
Why choose us as your mortgage consultant? Here's what sets us apart:

1. Expert Advice: Our mortgage consultants possess a wealth of knowledge and expertise in the mortgage industry. We stay up-to-date with the latest trends, interest rates, and loan products, allowing us to provide you with accurate and personalized advice tailored to your specific needs.
2. Extensive Network: Over the years, we have built strong relationships with a wide network of lenders and financial institutions. This means we have access to a variety of mortgage options, including conventional loans, FHA loans, VA loans, and more. We'll explore these options and find the one that best fits your unique circumstances.
3. Simplified Process: We understand that the mortgage process can be complex and time-consuming. Our goal is to simplify it for you. From gathering necessary documents to submitting your application, we'll handle the paperwork and streamline the process, ensuring a smooth and hassle-free experience.
4. Personalized Solutions: We believe that every client is unique, and there is no one-size-fits-all solution when it comes to mortgages. Our mortgage consultants take the time to understand your financial situation, goals, and preferences. We then craft personalized mortgage solutions that meet your requirements, ensuring you're set up for success in the long run.
5. Exceptional Customer Service: We pride ourselves on providing exceptional customer service. We value open communication and transparency, keeping you informed at every stage of the mortgage process. Our team is readily available to answer your questions, address concerns, and provide guidance whenever you need it.

Whether you're a first-time homebuyer, looking to refinance your existing mortgage, or interested in investment properties, we have the expertise and resources to help you achieve your homeownership goals.
Don't let the complexities of mortgages hold you back from achieving your dreams. Contact us today, and let's embark on this exciting journey together!

​A VA loan is a mortgage loan program designed to help eligible veterans, service members, and their surviving spouses become homeowners. It is guaranteed by the U.S. Department of Veterans Affairs (VA), which means that lenders are protected against loss if the borrower fails to repay the loan.



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Here are some advantages of VA loans:

1. No down payment: One of the most significant benefits of VA loans is that they typically do not require a down payment. This can make it easier for veterans to purchase a home without having to save up for a substantial down payment.
2. Competitive interest rates: VA loans often offer competitive interest rates compared to conventional loans, potentially resulting in lower monthly payments and overall savings over the life of the loan.
3. No private mortgage insurance (PMI): Unlike conventional loans, VA loans do not require private mortgage insurance, which is an additional monthly expense. This can save borrowers a significant amount of money over time.
4. Flexible credit requirements: VA loans may be more forgiving when it comes to credit requirements compared to other loan programs. However, individual lenders may have their own credit score requirements.
5. Assistance in case of financial hardship: The VA provides assistance to borrowers who encounter financial difficulties and are struggling to make their mortgage payments. They have programs in place to help veterans avoid foreclosure and remain in their homes.

It's important to note that while VA loans offer several advantages, they also have specific eligibility requirements, including military service requirements and creditworthiness. To apply for a VA loan, you would need to contact a VA-approved lender who can guide you through the application process and provide more information tailored to your specific circumstances.

 VA Loan Information from the Veterans Affairs might answer some of your questions, or just give us a call, we are happy to help you. As always, you are invited to stop by our office, located in Downtown Overland Park. 

​Information subject to change. Certain restrictions apply. Subject to borrower approval.

Come and be a part of our Ribbon Cutting ceremony! We would love to have you there with us.
We look forward to celebrating with our clients, vendors, family, friends, the NEJC Chamber members, and all our neighbors in Downtown Overland Park!
We will have food from our local neighbors and some beverages!  

​A VA loan is a type of mortgage loan offered to
active-duty military personnel, veterans, and 
their eligible family members.


Here's everything you need to know about VA loans:



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1. VA loans are backed by the Department of Veterans Affairs (VA), making them more attractive to lenders and borrowers.
2. VA loans offer several benefits, including lower interest rates, no down payment requirement, and no private mortgage insurance (PMI) requirement.
3. VA loans can be used to purchase a home, refinance an existing mortgage, or make home improvements.
4. To be eligible for a VA loan, you must be a current or former U.S. military member, a veteran's surviving spouse, or an eligible family member.
5. You'll need a Certificate of Eligibility (COE) from the VA to apply for a VA loan.
6. VA loans have more lenient credit and income requirements than traditional mortgages, making them easier to qualify.
7. The VA has a funding fee typically added to the loan amount. However, this fee can be waived for disabled veterans or their surviving spouses.
8. VA loans are assumable, which means that if you sell your home, the new buyer can take over your existing VA loan.
9. VA loans have some restrictions on the types of properties that can be financed, such as single-family homes, condos, and multi-unit properties up to four units.
10. VA loans are an excellent option for military personnel and veterans who want to take advantage of the benefits they offer. If you're eligible, consider getting a VA loan to buy your next home or refinance your existing mortgage. 

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