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Buyer Information

Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. Our services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, we also provide listings by email. We pride ourselves on repeat business and hope you'll come to understand why.

As Your Agent, We Will:

  • Assure that you see all the properties in the area that meet your criteria.
  • Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
  • Make sure you don't pay too much for your new home and help you avoid costly mistakes.
  • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

  • Check your credit rating. Straighten out any errors before its too late.
  • Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
  • Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
  • Choose a REALTOR® that you trust and who understands your needs.
  • Determine what neighborhood best matches your needs.
  • Identify important features you need your new home to have.

Closing Costs to Expect:

  • Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
  • Third-party fees include charges for insurance, title search, and other inspections such as termites.
  • Government fees include deed recording and state & local mortgage taxes.
  • Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

Search Kansas City By City

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http://lakelotawanainfo.com/

Niki Bird
Senior Mortgage Banker

717 W Main Street 
Blue Springs, Missouri 64015
Mobile: (816) 536-4858 
Fax: (417) 200-4363 
NMLS ID: 1245397 | Company NMLS: 224149 
nbird@fbhl.com | flatbranchhomeloans.com 

Apply With Niki 

Flat Branch Home Loans has a bank statement program for self-employed (forget your taxes!), a rehab loan for investor or owner occupants to add repairs (including new carpet and appliances) into the loan, no money down USDA and VA, FHA, Conventional, Doctors Loans, Bridge Loans. (are you ready to move up, but not out?), Community Champions Program (EMT, Fire Department Staff, Police Department Staff, 911 Staff, Teachers and School Staff receive a free appraisal up to $500! If the loan amount is over $150,000, they also receive free processing of $400!!! (Up to $900 in lender credits!)

Credit score need some improvement? Let FLBM run through our simulator and give you a step by step process to raise your score! It's awesome AND free!

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Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.

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