Laurie Huhman, Realtor

OK fellow Realtors, I thought we might be able to pool our massive brain power together and come up with some great ideas for DownPayment Money for the Renters out there who are left that want to become Homebuyers!

In my market (Wichita, KS) I can still find people who want to buy, who can qualify for an FHA loan but who just don't have any money for a downpayment. 3% is all we need for that FHA loan! Does that sound familiar to anyone else? If so, why not play a game with me! I would like to see how many ideas we can come up with for Average Joe out there to find money for a downpayment..... They can be serious, silly or near impossible but what the heck-what other job is there where blogging is considered "work"?

I'll get things started with the following:

• Borrow against your car/boat/jet skis
• Take downpayment money out of your 401k that is tanking anyway and invest it in your home! A proven investment over time-especially in the Midwest!
• Sell your ex-husbands crap that you insisted on keeping in the divorce

Your turn.....

Wichita Homes for Sale-VA Loan Rates Unbelievably Low!

As a real estate agent in Wichita, I am constantly trying to find ways for Wichita renters to become Buyers. It's no secret that interest rates on mortgage home loans are currently at record lows, in fact I spoke to my favorite lender today (Aaron with Met Life Home Loans) and he tells me that if you have a credit score of 720 and put 10% down, you can get a mortgage loan rate of 4.625%! That is a fantastic rate if you are wanting to buy a Wichita home for sale in this current market. If you have good credit and currently have a home to sell with some equity in it, you should really consider selling your current home and upgrading. Here is another idea, if you need the 10% for the downpayment-you can use your money in your 401k for a downpayment on a primary residence and not pay a penalty. So, you would be basically investing part of your 401k in your home-real estate-a proven investment over time-especially in Wichita, KS.

What I have found with Buyers looking for Wichita homes for sale is that they don't have money for a downpayment and maybe not so perfect credit so without 10% down those great rates don't effect them, right?

Well, VA loans have always been a great mortgage loan product and right now if you can use your VA eligibility to buy a home in Wichita you can get a fantastic rate. VA loans don't require a downpayment, so you don't need a downpayment and you can get a rate of 4.5% for a 15 year loan term or 5% for a 30 year loan term! Also keep in mind you don't have to have a 720 credit score.

Wichita is proud to be the home of McConnell Air Force Base. I am proud of our fighting men and women who bravely defend our liberties. I would be honored to assist our Veterans in buying a Wichita home for sale using a VA loan! There are excellent deals to be had in the Wichita, KS home market and Buyers can find great deals. If you would like more information on buying a home in Wichita, or VA loans just contact me! Click to contact Laurie Huhman.

Wichita Homes for Sale-Zero Down Home Loan Program still Available!

If you are looking for a Wichita, Andover, Maize, Valley Center or Goddard Home for Sale, there is a fantastic loan program from the United States Department of Agriculture called the Rural Development Loan that can assist you with your purchase.

This program DOES NOT REQUIRE you to make a DOWN PAYMENT!

You can get 100% financing on your Wichita, Andover, Maize, Valley Center or Goddard home. This is the only 100% loan program left that I am aware of in the Wichita area.

The home itself must be located in a qualified area. You can check to see if the home for sale you are interested in would qualify for this program by going to the website at Ks Homes for Sale Eligible for Rural Program

The website will also give you detailed information about the loan program. As a professional Wichita Realtor I work with a Reputable lender who has used this program with other clients. When you work with me to find your home for sale, you work with a professional team committed to your success. You can call or email me with any questions you may have!

Click Here for Wichita Homes for Sale! or to Contact me

316.409.1006

Wichita Homes for Sale-How to Market Your Home

Well it's another COLD day in Wichita and at this time of year Wichita Homes for Sale are getting very few showings. Wichita Home Sellers may begin to feel frustrated because their homes for sale have not sold yet. What Wichita Realtors have found it that Wichita Real Estate Buyers are changing! "Over time Buyers use of the internet to search for homes has increased, rising from 71% in 2003 to 80% in 2006. Even more importantly, the share of buyers who reported using the internet frequently to search for a home has risen from 42% in 2003 to 59% in 2006." (2006 National Association of Realtors Profile of Homebuyers and Sellers)

As a professional Wichita Realtor who frequently sells Wichita homes, I intend to sell them for the maximum price in the minimum amount of time. In order to do that I have to market where the Buyers are-on the internet! One way I do that for Wichita homes is to create a richly detailed, spectacular listing for the home and put it in front of as many Buyers as I can. The number of Buyers who use the internet to find their next home is increasing daily and the traffic to online marketplaces is skyrocketing. The power of the web is growing. I have successfully established myself online in order to tap into this steady stream of buyers searching for Wichita homes for sale. I put my listings everywhere! My Wichita homes for sale receive serious advertising on my website, it will also get serious advertising on the websites of all my network partners...I push it out all over the web, to the busiest real estate marketplaces online. Here are just some of them that you will find my Wichita homes for sale on: google, yahoo real estate, zillow, trulia and house.com.

If you would like more information about marketing your Wichita home for sale on the internet-give me a call or send me an email. www.mywichitahome.com *316.409.1006

Foreclosures in Wichita-Wichita Homes for Sale:

As an experienced Real Estate Agent in Wichita, I am frequently asked about the possibility of buying a foreclosure in Wichita. Currently there are 72 homes for sale in Wichita listed in the Wichita MLS that are foreclosures. In many instances these Wichita Ks homes can be a good deal for the Buyer.

If you are currently considering a rental in Wichita, you may want to examine your options with regard to buying a foreclosure in Wichita instead. There are restrictions placed upon the potential Buyer with regards to mortgage financing with a Wichita foreclosure. An experienced Real Estate Agent in Wichita like myself can help guide you through the process.

If you would like a FREE list of foreclosures in Wichita emailed to you it would be my pleasure to do so, simply go to http://lauriehuhman.point2agent.com/Foreclosures_in_Wichita/page_2158125.html

You can find more information on foreclosures at http://finance.yahoo.com/expert/article/mortgage/77019