I just had one of my mortgage bankers send me this email. If you're looking for a jumbo mortgage loan in the Gardner, Kansas area, lets talk and I will get you connected to one of the best Gardner, KS. mortgage bankers.

I know there are not many home buyers looking for a jumbo loan in Gardner but in case, I just had one of my mortgage bankers send me this email. If you're looking for a jumbo mortgage loan in the Gardner, Kansas area, lets talk and I will get you connected to one of the best Gardner, KS. mortgage bankers.

Contact me at (913) 712-9313


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Looking for a Physician's Mortgage Loan in Gardner, Kansas? I have a mortgage lender who specializes with working with physicians.

Looking for a Physician's Mortgage Loan in Gardner, Kansas?

I have a mortgage lender who specializes with working with physicians. 

Need a Physician Mortgage Loan?

Let's talk . . .  (913) 712-9313

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Only 1 month left to qualify to purchase a home in Gardner, KS. with a Zero Down USDA Rural Development Mortgage Loan

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Should I break my lease now and buy a Gardner home with USDA Rural Development funds or wait until next spring when my lease is up? It will cost me $2500 to break my lease.

Should I break my lease now and buy a Gardner home with USDA Rural Development funds or wait until next spring when my lease is up? It will cost me $2500 to break my lease.

Great question. If you could buy a home now in Gardner with zero down like the USDA mortgage loan and it cost you $2500 to break the lease, you might find it beneficial to buy now.

Next year when your lease is up the only loan that might be available for you will be a FHA mortgage. A FHA mortgage requires a minimum of 3.5%.

Lets look at the numbers:

On a USDA Mortgage Loan you can purchase a $175,000 with zero down. If you wait until next spring you will need a minimum of $6,125 down. If it cost you $2500 to break the lease now, it sounds like breaking the lease now and buying a home in Gardner is more advantageous than waiting for next year to buy a home in Gardner.

Other items to consider:

1) USDA charges a smaller monthly fee so the monthly payment will be lower.
2) Interest rates might go up and the monthly payment will be higher.
3) FHA mortgage underwriting may get more difficult to process.
4) Some landlords will work with you if you give plenty of notice and help in finding a new tenant in reducing the penalty for breaking a lease.




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Gardner Real Estate Question: I'm very busy and do not have time to start the mortgage process by taking off work and going to a local bank for financing?

Gardner Real Estate Question: I'm very busy and do not have time to start the mortgage process by taking off work and going to a local bank for financing?

Great question. I have arranged many options to help Gardner home buyers start the mortgage process.

You can obviously schedule an appointment and visit my mortgage bankers at their office. Obviously, if you're too busy you can choose one of my other options.

1) You can call my mortgage banker, Ron Yarbrough, at (913) 307-1608 directly and discuss your mortgage options over the phone.

2) You can visit www.BankOfKansasCity.com/RonYarbrough and complete an online application.

3) You can call me at (913) 712-9313 and I can deliver a paper application to you. You can complete at your convenience and I can come by, pick up, and deliver to Ron or you can send it to Ron yourself.

4) You can download this application and send it to myself or Ron Yarbrough at your convenience.  Download Bank of Kansas City Mortgage Pre-Application

If you have other needs, please don't hesitate to contact me at (913) 712-9313.

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I applied for a mortgage and the mortgage lender found some derogatory credit. I had a couple collections, a couple accounts I don't even have a clue about and a couple accounts that are reporting incorrectly. What do I do if I want to buy a home in Gardner with the USDA RD zero down mortgage loan?

Gardner Real Estate Question: I applied for a mortgage and the mortgage lender found some derogatory credit on my credit report. I had a couple collections, a couple unknown accounts and a couple accounts that are reporting incorrectly. What do I do if I want to buy a home in Gardner with the USDA RD zero down mortgage loan before the time runs out?

Great question. First I recommend consulting with a banking expert like Ron Yarbrough from the Bank of Kansas City. He is very knowledgeable in guiding home buyers. If you have the issues asked like collection accounts, unknown accounts or accounts reporting incorrectly, Ron will suggest that you contact his credit specialist.

Unlike many specialist, Ronnie's specialist does not charge $1,000 or more to repair your credit. Matter a fact, he doesn't rebuild credit. He corrects it. My last 10 clients who have been sent to Ronnie's specialist got their credit report to jump on average 50 points within 2 months for $75.

Second, you can always contact a credit repair specialist, but I haven't seen many who charge less than $1,000. I would still go back to my first step and contact Ron Yarbrough.

Need help with your credit?

Contact Ron Yarbrough from the Bank of Kansas City at (913) 307-1608. If you would like to compete a 15 minute pre-app before you call Ron in order for him to offer the best advice, go to his online app at: Bank of Kansas City Pre-app


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If you would like to buy a home in Gardner with zero down. your time is limited - The USDA Rural Development Mortgage Loan is set to expire in Gardner the end of October

If you would like to buy a home in Gardner with zero down, your time is limited - The USDA Rural Development Mortgage Loan is set to expire in Gardner the end of October.

First, contrary to what you have been told there are still low to zero down mortgage loans still around. But if you are looking to buy a home in Gardner with zero down your time is limited. The USDA Rural Development Mortgage Loan is set to expire the end of October. That means if you want to buy a home with a USDA RD loan you need to have your financing started by the end of September. In my opinion, I would start by September 15th.

With a USDA RD mortgage loan a Gardner home buyer can truly get into a home with zero down. I have even wrote over 50 contracts for home buyers where they received money back at closing.

Click here for more information on the USDA RD mortgage loan.

Thinking of buying a home with zero down in Gardner?

Let's talk . . .

Dowell Family Team (913) 712-9313



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Time is running out to buy a home in Gardner, Kansas with a zero down payment - Gardner Real Estate

Time is running out to buy a home in Gardner, Kansas with a zero down payment

Yes, that is correct.

The true zero down mortgage loan that so many Gardner, Kansas home buyers have taken advantage of is winding down. USDA representatives are telling mortgage loan officers and bankers to have their files submitted to them by September 15th in order to get through underwriting by the deadline. That means if you  are thinking of buying a home using the USDA Rural Development Mortgage Loan Program you should have your application into your mortgage loan officer by September 1st. Sure, there is a chance that if submit an application after September 1st, you can still use USDA RD funding, but there is a chance that you might also miss the deadline.

Yesterday I was working with a home buyer in Olathe, Kansas. The Olathe home buyer needed nearly $8500 to purchase the home that they liked. I brought the home buyer down a short drive to Gardner and showed them a similar home that was 14 years newer. For the same size home with newer features, the same home buyer needed no down payment. In addition their monthly mortgage payment. I think you can understand why this home buyer became a Gardner home buyer very quickly, right?

I have helped hundreds of home buyers take advantage of the zero down USDA RD mortgage loan in Gardner. If you would like to see the benefits of a USDA loan, let's talk . . .  (913) 712-9313



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Did you know that time is running out to obtain a Zero Down USDA Mortgage Loan for purchasing a home in Gardner, Kansas?

Did you know that time is running out to obtain a Zero Down USDA Mortgage Loan for purchasing a home in Gardner, Kansas?

In fact, a home buyer will not be able to obtain a USDA RD mortgage to purchase a home in Gardner after September 30th of this year.

Unlike a FHA or Conventional Mortgage, a USDA Rural Developmental Loan allows a home buyer to get into a home with zero down payment.

For more information on the USDA RD Mortgage Loan, visit the USDA website: USDA Rural Development Loan.

I have some special mortgage bankers who I would be happy to refer to you to help you obtain a USDA RD Mortgage Loan.

If you would like to checkout the benefits of obtaining a 0 down USDA mortgage loan, lets talk . . .


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The Real Estate Market in Gardner, Kansas Could Stall This Fall - Here Is Why!

The Real Estate Market in Gardner, Kansas Could Stall This Fall - Here Is Why!

The USDA Guaranteed Mortgage Loan is set to be removed from Gardner, Kansas this fall. Why does it matter?

Gardner is one of the few communities in Johnson County, Kansas that a home buyer can get a zero down mortgage loan. Gardner has seen much of its growth due to affordable housing and financing. Take away the financing component and will it be enough for home buyers to be lured from Overland Park, Olathe and Lenexa, Kansas?

I'm thinking the real estate market in Gardner will become stagnant this winter as home buyers pursue other communities where the USDA Mortgage Loan will be available.

If you're thinking of selling your home in Gardner, there maybe a small window to sell while the home buyers are out there buying.

Mortgage information about the USDA Mortgage Loan

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Mortgage Rates Are Increasing Rising in Gardner, Kansas - What Does This Mean To You?

Mortgage Rates Are Increasing Rising in Gardner, Kansas - What Does This Mean To You?

Many veteran mortgage loan officers agree that they have not seen mortgage rates rise as fast as they have in the past 2 months. Despite a little dip in rates in the past week, rates have climbed nearly 1% in the past 2 months.

What does this mean to you?

Since real estate is an element of a vibrant economy, many people are watching their local real estate market. Whether you are a plumber, electrician, carpet layer, roofer or landscaper; there is a good bet that a vibrant real estate market helps dictate the success of your business. Many contractors are watching to see if the new homes in Plum Creek, Aspen Creek, Symphony Farms and Waverly Pointe are selling because when they sell, the builders will probably start on a new home.

Just because rates are going up and it will cost $52 a month for home buyer's to buy the same home (based off of a $200,000 purchase price with 20% down) lets don't panic here in Gardner.

First, Gardner, KS. home buyers who have been straddling the fence will be starting to jump to capture these historic lows. I know that 4.50% is higher than 3 months ago, but if you have been in the real estate business as long as me, you remember when mortgage rates where above 10%.

I have talked to several mortgage loan officers and bankers and they said that they have noticed an increase in mortgage applications despite the rise in mortgage rates. Look for this to continue this summer.

Second, Gardner homes have increased in value enough that home sellers will not need to cash out their savings in order to sell. Those home sellers who have been on the fence about selling and buying a bigger home will start to put those plans in actions.

The signs of a rough real estate market in Gardner are pointing to this fall. The increased mortgage interest rates, increased inventory and the removal of the zero down USDA mortgage loan will have a major affect.The real estate market could easily stall leaving fewer home buyers to buy the numerous homes for sale.

Do you agree?


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