A No-Fluff Guide to Buying Your First (or Next) Home
Buying a home is exciting… and, honestly, just a little overwhelming. Especially if you’re a first-time homebuyer trying to make sense of interest rates, inspections, and the endless “should I or shouldn’t I?” moments. But don’t worry — I’ve helped enough folks through this to know the roadmap doesn’t have to be a maze.
So whether you’re eyeing a place in Raymore, a home in Lee’s Summit, or something with a little land in Peculiar (yes, that’s a real town, and it’s adorable), here’s a practical, step-by-step guide to buying a home in Jackson and Cass County — minus the real estate jargon and sugarcoating.
Step 1: Assemble Your Dream Team Early
Before you start scrolling Zillow or hitting open houses, lock in your people:
- A local real estate agent (hi, I know a good one!)
- A solid mortgage lender who can break down your finances in plain English
Why it matters: Your trusted agent and mortgage lender are your ride-or-die crew. They’ll guide you, answer every “Is this normal?” question, and keep your stress levels (mostly) in check.
Quick Tip: I have relationships with exceptional lenders offering first-time homebuyer and down payment assistance programs, reach out and I will connect you!
Step 2: Check Your Credit Score — Like, Now
Your credit score isn’t just a number. It’s a power move. The higher it is, the better the loan options and interest rates you’ll qualify for.
If your score is low:
- Pay off small debts.
- Avoid opening new lines of credit.
- Settle errors on your report (yes, they happen often).
Pro Tip: Most lenders offer free credit guidance before you even apply. Use it!
Step 3: Boost Your Savings (Without Panic)
You’ll need money for:
- Down payment (typically 3%–20% of the home price)
- Closing costs (another 2%–5%)
- Moving expenses, inspections, and random surprises (like that leaky faucet you didn’t see coming)
Hack: Ask about local down payment assistance programs. There are several in Missouri, and they’re great for first-time buyers.
Step 4: Get Pre-Approved
A mortgage pre-approval allows you to home-shop with confidence. It tells you exactly how much home you can afford — and shows sellers you mean business.
Real Talk: A pre-approval letter can be the difference between winning and losing the home you love in a competitive market.
Step 5: List Your Must-Haves (But Stay Flexible)
We all want the Pinterest-perfect home, but let’s be real — there will be trade-offs.
Write down your must-haves (like three bedrooms or a fenced yard), and your nice-to-haves (like a pool or finished basement).
Pro Tip: Your list is a guide, not a rulebook. Be open to homes that surprise you. Sometimes, “the one” doesn’t check every box, but still feels right.
Step 6: Start House Hunting
Now, the fun begins. Get out there and explore neighborhoods, layouts, and price points.
Tips to make the most of it:
- Drive by homes at night and on weekends.
- Ask about HOA fees, school districts, and commute times.
- Take notes and pictures — they blur together fast!
Local Vibe Check: Explore the numerous cities around Kansas City for what’s important to you—amenities, fun events, and award-winning schools—while enjoying quick access to KC.
Step 7: Make an Offer
Found “the one”? Let’s write that offer. I help my clients:
- Strategize a competitive price
- Include smart contingencies (inspections, financing, etc.)
- Possibly write a heartfelt letter if it’s a seller’s market
Pro Tip: Don’t fall in love with just one house. Be prepared to walk if the deal doesn’t make sense — the right one will come.
Step 8: Inspection & Appraisal Time
The inspection assesses your home’s health, while the appraisal provides you with a solid home value. If anything major pops up (foundation issues, roof problems), this is when you renegotiate—or walk away.
Buyer Hack: Attend the inspection if you can. You’ll learn a ton about the house and how to take care of it later.
Step 9: Make It Official
You’re almost there! Now it’s time to:
- Sign a lot of paperwork
- Transfer funds for closing
- Grab the keys and do a happy dance
Pro Tip: Triple-check everything before closing day—names, numbers, and wiring instructions (be on high alert for email scams!).
Step 10: Move In and Make It Yours
Welcome home! Unpack the boxes, paint your walls your favorite color, and start making memories.
Moving Tip: Label boxes by room and number them — and pack a “first-night” box with essentials like TP, snacks, and chargers.
Final Thoughts
Buying a home in Jackson or Cass County doesn’t have to feel like crossing a minefield. The right plan (and the right people) can be exciting, empowering, and even fun. You don’t have to know it all — you need to know who to call.
Let’s Make This Your Year to Buy
Let’s talk if you’re thinking about buying, even if it’s months away. I’ll help you map it out, connect you with awesome lenders, and walk you through every step. There is no pressure or sales pitch—just real talk and good advice. Text or call 816-328-2887 and follow @GreatMissouriHomes on social media for more tips. Let’s get you home!
