Your Guide to Buying Your First Kansas City Home
Make your first home purchase confident and stress-free with expert guidance every step of the way
How It Works
Our proven process makes your real estate journey simple and successful
First-Time Buyer Education
We explain the entire process in plain English - no confusing jargon. You'll understand exactly what to expect at each stage.
Budget Planning
We help you understand what you can afford, including down payment options as low as 3% and first-time buyer programs.
Lender Connection
We connect you with lenders who specialize in first-time buyers and offer FHA, conventional, and down payment assistance programs.
Neighborhood Selection
We help you identify neighborhoods that match your lifestyle, commute, and budget - from urban walkable to family suburban.
Home Tours & Education
During tours, we point out important details - from foundation issues to great features - helping you learn what to look for.
Offer to Closing Support
We guide you through offers, inspections, and closing - answering questions and ensuring you understand each document.
Why Choose Us
Experience the KC Family Home Team difference
Patient Guidance
We understand first-time buyers have lots of questions. We take the time to explain everything clearly without rushing you.
Down Payment Assistance
We help you explore FHA loans (3.5% down), conventional loans (3% down), and local down payment assistance programs.
Budget Protection
We help you buy within your means - considering not just mortgage but taxes, insurance, and maintenance costs.
Avoid Costly Mistakes
Our experience helps you avoid common first-time buyer mistakes that can cost thousands or cause regret later.
Inspection Expertise
We help you understand inspection reports and determine which issues are deal-breakers versus minor fixes.
Long-Term Thinking
We help you consider resale value and growth potential so your first home is also a smart investment.
Client Success Stories
Hear from families we've helped achieve their real estate goals
“We were so overwhelmed at first, but Ernesto made everything simple. He answered our million questions patiently and helped us find an amazing home in our budget!”
Jessica & Tom Williams
First-Time Buyers - Waldo
“As a single first-time buyer, I was nervous about the process. The team held my hand through everything and I closed on my dream home with just 3.5% down!”
Amanda Rodriguez
First-Time Buyer - Liberty
Frequently Asked Questions
Get answers to common questions
How much do I really need saved to buy my first home?
For a $350K home with 3.5% down (FHA loan), you need about $12,250 for down payment, $7,000-$10,000 for closing costs, plus $6,000 in reserves. Total: $25,000-$28,000. Some programs offer even lower down payment options.
What credit score do I need to buy a home?
FHA loans require a minimum 580 credit score (500 with 10% down). Conventional loans typically require 620+. Higher scores get better interest rates. We can recommend credit repair services if needed.
Can I buy a home with student loan debt?
Yes! Lenders look at your debt-to-income ratio. As long as your total monthly debts (including the new mortgage) are below 43-45% of your gross monthly income, you can qualify.
Should I use a first-time home buyer program?
Many first-time buyers benefit from these programs which offer down payment assistance, closing cost help, or better rates. We'll connect you with lenders who know which programs you qualify for.
How long does the first-time home buying process take?
From starting your search to closing typically takes 2-4 months. Finding the right home averages 3-6 weeks, then 30-45 days from accepted offer to closing. We'll keep you on track.
Explore Kansas City Neighborhoods
Discover the best neighborhoods for your family
Let's Make YourReal Estate Goals Reality
Schedule a free consultation with our Kansas City experts today