Lee's Summit, MO Real Estate News

By Darren Copeland, Darren Copeland
(Leader One Financial)
We're interested in helping you learn all about home loans, so we wanted to share with you 4 things you need to know about mortgages. So without hesitant one second more here are the 4 things! Before looking for a home you should get pre-approved.Pre-approval is the easiest way for you to have peace of mind when you're looking for a home and needing to find a mortgage. Getting a pre-approval letter from a local mortgage company will keep your house hunting stress free and many people accept pre-approval letters as if they were money in the bank.  Getting pre-approved is really easy, you can do it online with us, and we'll calculate the maximum amount of money you can borrow.  Just be aware that your credit will be checked in this process and if it doesn't meet minimum standards you won'...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
If you're interested in Buying a home in Lee's Summit Missouri, one of Kansas City MO's finest suburbs then there are a few things you need to know.  Before we get to that list though there is one thing you need to know: the real estate market is going crazy and houses aren't staying on the market long and that adds another factor into your decisions. Time, and you don't have much of it. So here's a list of things you need to have ready when it's time to go house shopping. A Good RealtorOne of the things we see all the time is that people want to "go it alone," and while their penny pinching ways are admireable, is it realy worth all the stress you're going to go through pricing your home, negotiating with a realtor on a home price or working through the difficulties of the appraisal an...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
Home Loans Lee's Summit are what we're good at doing, perhaps you're a first time home buyer or perhaps your a seasoned veteran of the home buying process.  Either way we're here to help you with all your mortgage needs from getting pre-approved all the way to putting the key in the front door, and because we're committed to being the #1 most awesome customer service provider in the Kansas City Missouri and Lee's Summit MO area, we thought we would give you just a few tips for moving into your new home!  And because reading can get SO TEDIOUS (just kidding,) we've created a simple inforgraphic that help de-stress your moving day!   If you're interested in having us hold your hand through the process of getting a new home we are happy to do that, we work with some of the best realtors ar...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
When You're looking for a Lees Summit Home Loans there are some definite DO's and DON'Ts that you'll want to keep an eye out for in the first steps of you home buying process.  The first step when looking for houses for sale is to get pre-approved with a local trusted lender, You can get pre-approved with us online or buy calling (816)268-4025. When it comes to home loan approvals, and house shopping, many people don't realize how their actions can impact their home buying experience. Here's what I encourage people when they ask me about how to live life while they're in the process of securing a mortgage for their new home:DO:  live life as normally as possible. continue operating on a household budget. don't hold up your life just because you're in a loan process. continue to pay your...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
Every so often we like to take some time out to cover some of the things that people can do to derail their home loan process, some Home Buying Mistakes. So, we made this infographic and want to share it with you and we hope you'll share it with the people you come in contact with so they can avoid the pitfalls that unfortunately happen all too often. So with out further delay here is the Home Buying Mistakes infographic.Thanks for checking out this simple infographic, we'd love to  help you begin the mortgage process by getting you pre-approved.  Call us at 816 268-4205 or follow the link to LeaderOne's best mortgage lender and start off on the right foot to avoid Home Buying Mistakes
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By Darren Copeland, Darren Copeland
(Leader One Financial)
Understanding the mortgage process seems quite difficult, but when you have an expert explaining it in a Mortgage 101 series, it really be a simple process.  Darren Copeland and his KC Loan Tips team at LeaderOne Financial have worked to put together a great YouTube series that walks you through some of the most difficult parts of the mortgage process.  If you watch the video below you'll see the introduction to their Mortgage 101 series, and the youtube link above can take you to all the other videos and topics covered on their great website.Darren and his KC Loan Tips team have been doing home loans in Lee's Summit Missouri for the entire Kansas City MO area and have helped thousands of people get the best deal for their money when it comes to buying a house.  If you're interested in ...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
 If you've experienced bankruptcy you might be asking How Long Do I Have to Wait After a Bankruptcy to purchase a home?  The truth is thatwe know that this doesn't make you a bad person, it happens to good people, sometimes bad things happen and we can't control it. So you might need to know how long you've got to wait after to get a home loan.  If you'll take just a moment and watch this short episode from our "Ask Darren" series which answers your question How Long Do I Have to Wait After a Bankruptcy?  We take just a few minutes from our busy day closing mortgage loans for folks to talk with a local Kansas City, MO realtor about this all important question.  If you're ready to get started on a home loan in Lee's Summit, Missouri (or any other Kansas City, Missouri or Kansas area loc...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
There are just a few things that you shouldn't do when you're buying a home and this infographic pretty much sums up what we think about those things.  So sit back, scroll down and enjoy the 10 Commandments of Home Loans - we say home loans because well, that's the hard part of buying a home!Originally posted at The Lighter Side of Real Estate
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By Darren Copeland, Darren Copeland
(Leader One Financial)
If you're looking for the Best First Time Homebuyers Mortgage in Lee's Summit, look no further than the FHA home loan.  The FHA loan is a great way for people who can't afford the 20% down that a conventional loan requires to buy a home in such a wonderful place like Lee's Summit, MO. We really love working with first time home buyers and especially with people who want to live near the city we love and where our offices are! Darren Copeland has been doing FHA loans for over 10 years and is ready to help educate you and his team is ready to start helping you!  What many people don't know about the FHA Home loan is that it's great for more than just first time homebuyers, it's also great for people are simply just short on cash when it comes to making a down payment.  With recent changes...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
While working on a project, I realized that I didn't have all the tools to get the job done, and that's a must for projects, Your Lee's Summit Home Loan is just like that.  You want to have all the right tools to get the job done quick and stress-free.  While my project didn't go so well (I always end up going to home depot 5 or 6 times!) The Darren Copeland Mortgage Team can help you with all the right tools to get the job done well, quickly and with as little stress as possible.If you're looking for an FHA loan, we can help!  If you're in the market for VA loans; We're experts! Need to get a conventional or USDA loan, we've done so many it's not even funny any more.  We also specialize in refinancing your current mortgage as well!For those of you looking to purchase a new home you may...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
There's nothing better than VA Loans for Lee's Summit Homes!  It's probably the best mortgage program out there right now and it's a great way to get a new home, however there are some qualifications that you must meet to get a VA home loan!  We'd like to cover those in this blog post and help you understand why this mortgage program is the best out there.In order to get a home in Lees Summit, MO using a VA Loan you'll need to do the following things. Served active duty in ANY branch of the United State Armed ForcesAir Force, Army, Coast Guard, Marines, Navy, or any of the reserve equivalents of these branchs. (if you served in the reserves or National Guard you must have served for 6 years.) Upon your discharge from the military, you must receive an honorable discharge or a general dis...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
PMI, also known as Private Mortgage Insurance, is put into place to simply protect a lender in the event that a home buyer defaults on their mortgage.From the mortgage lender’s perspective, PMI is necessary in order to protect their investment and in turn, keep their rates low. This ensures that a mortgage lender can safely do business with you.When is a PMI payment needed?A mortgage lender is often going to require a PMI payment if the borrower does not provide a 20% down payment on the home. If this is not possible, the loan becomes a riskier investment for the lender, therefore requiring private mortgage insurance.How does PMI work?Your PMI payment is paid monthly along with the overall mortgage payment to the lender. Once the principal amount increases over the years and the amount ...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
Here's Today's Important News about Pre-approval, you need it and you need it fast! The real estate market is going full bore now that schools are getting close to graduation, teachers are counting down the days until summer begins (and so are students) and that means people are looking to move!  Seriously, it seems like everyone and their dogs are looking for new house!We're never too busy, but we're busier than we've been in years here at KC Loan Tips and according to home loan expert Darren Copeland, you need to be ready to purchase your dream home at a moments notice! Darren shared with us the 2 pieces of informaton that are Today's Important News about Pre-approval.1. Getting Pre-approved in this market can mean the difference in getting that home and not getting your dream home.If...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
Lee's Summit MO is a great place to live and VA Loans are great for veterans, put them together and you get 3 Reasons Lee's Summit is great for VA Loans.1. Lee's Summit is one of the best suburbs in the Kansas City Missouri area to raise a family with great schools, great parks and wonderful neighborhoods all nearby to shopping and restaurants.  This community has been growing and thriving for decades and they know how to throw a party!  The VA Home Loan is great for a family looking to move into this region, especially those who've just left the military or if you've active-duty.  The beneifts of the VA Home Loan are awesome and include 0% down payment (no down payments at all!) the interest rates are typically lower than other mortgage programs such as FHA or Conventional Loans.2. The...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
We live in a world where instant gratification is everything, but the home loan process takes time, so we'd like you to know The 4 Biggest Mortgage Mistakes that can slow down the process. 1. Lying.This should be pretty obvious but it never fails that someone doesn't fill us in completely on their financial history, they 'forget' to mention bankruptcies, foreclosures, getting their cars reposessed. When you're filling out your pre-approval application, be honest; because we'll have to come back and verify all that information later in the process, and that means more stress for you and for us as well.2. Changing your spending behavior.The second of the The 4 Biggest Mortgage Mistakes we'll reveal is to know that when you're going through the mortgage process in Kansas City Missouri and ...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
If you're a military serviceman or woman, whether active-duty or retired the best home loan for you is the VA Loan Lee's Summit.Some of the reasons that the VA home loan is the best for our armed forces members are: No Down Payment Typically Lower Interest Rates Relaxed Credit Standards (but you will have to have good credit to qualify) Caters only to United States Military Members You can use it repeatedly Loan Limit of $417,000 in the Lee's Summit MO/Kansas City Missouri area  If you're considering purchasing a house and you've served our country in any of the branches of the military - then we can help you get a VA Loan that will ensure your family a great place to live for the coming years. We're a local mortgage bank that has a VA mortgage expert on staff!  Darren Copeland has been...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
Okay, This question isn't that hard, and I'll be honest we know everyone out there wants to save money, but sometimes it pays to use a professional and that's Why You Need a Realtor.  You can buy or sell a house without a realtor but there are so many reasons to use a realtor, and the #1 reason is that a realtor is going to be able to navigate the ins and outs or the entire home buying process, through picking a house, figuring out all the numbers associated with your home purchase (taxes, mortgage payments, HOA dues, title company fees, closing costs, and many more!)  If you're interested in finding out more about why  you should choose a realtor.Watch below as expert mortgage lender, Darren Copeland of LeaderOne Financial and founder of KC Loan Tips speaks to a local Kansas City Misso...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
   When it comes to getting a home loan or a mortgage it seems that everyone wants you to get a Pre-Approval Letter.  Everyone! Realtors, Mortgage Lenders, your Aunt Mary, everyone is pointing you towards this seemingly important first step towards getting your home loan.  There's a very good reason that your mortgage lender and your realtor want you to do this, but instead of writing a thousand word blog that would bore you to tears we thought we just ask our local Lee's Summit MO mortgage expert, Darren Copeland, and one of our favorite realtors some of the ins and outs of getting your Pre-Approval Letter. Watch the video below with our local Kansas City Missouri Real Estate friend and Darren as they answer some questions about starting the mortgage process by being pre-approved and h...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
There are a lot of great mortgage loan options out there, but What's the benefit of a 20% down payment?  Does it really change the terms of getting a home loan that much?  To answer this common questions we're using our youtube channel, a local Lee's Summit Missouri Mortgage expert and a local Kansas City MO realtor to let you know these benefits!Darren Copeland of LeaderOne Financial and the website KC Loan Tips is a home loan expert who loves to have clients learn during the entire mortgage loan process, and understand what they are getting into as they journey towards purchasing either their first home or just 'trading in one home for another.'   Watch this video below and see just how Darren answers your question:If you think you're ready to get pre-approved for your home loan and y...
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By Darren Copeland, Darren Copeland
(Leader One Financial)
Closing on time is the most important part of your mortgage, that's why it's important to know How a Local Lender Can Help You.  As we continue blogging through our Ask Darren youtube webseries, we noticed it was high time we talked about how great finding a local lender can be for your home loan process.  We won't bore you with going over the details of how we're a Lee's Summit, Missouri mortgage lending team that takes care of folks in the entire Kansas City, MO area and how we're focused on helping people in our area get the best mortgage rates and programs!  We'd really rather that you watch this video of one of our loan officers, Darren Copeland, (from KC Loan Tips & LeaderOne Financial), answer a local realtors question about How a Local Lender Can Help You!Now that you know How g...
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