We are the Tuckers – Kim and Don. We started kcmoHomeBuyer over 20 years ago and along the way, we were joined by our Son Scott. Plus we have a great team that we work with including our title company, our contractors, and a bunch of people that help us along the way.rnrnOur “About Us” page on our website will give you a much closer look at who we are and what we are about. Take a second to visit that page now so you can make our acquaintance. We have been in business for over 20 years, we are honest, and we think fairly nice people.

We Pay Cash For Houses in Kansas City and surrounding areas. The simple answer is that we buy in most locations and in any condition. We offer an alternative to the hassles of the traditional real estate agent listing. We offer options for those with less than perfect houses, those that are working on condensed timelines, or people who just want to avoid all the things that come with a traditional listing including the expenses of the commission and the hassle of people, inspections, and repairs.rnrnAnd because we are also licensed agents we can offer you more options than the average cash home buyer or even the average real estate agent.

Is A “We Buy Houses” Company Right For Me?

We are not desperate to sell our home in Kansas City, nor are we in a hurry! rnrnWhile we certainly do save time, we have found that the majority of sellers we have purchased houses in Kansas City from were not desperate to sell (at all). They were not trying to save themselves from foreclosure. Most of our sellers went with us simply because they just don’t want to deal with repairs, constant walk-throughs, or any hassle one experiences selling a house the traditional way. Some had already tried to work with a real estate agent and it didn’t work out.rnrnWe offer a great option to consider when you want to sell quickly or with ease because we buy houses in any condition, as-is, and we have the knowledge and the team to work through just about any circumstance. It doesn’t cost you anything for us to take a look and see how much we can offer for your home in KC. We can tell you if listing your house in the traditional manner would be a better choice. We offer all your options, completely free, without any obligation. You have everything to gain.

Will Cash Home Buyers List My House On The MLS?

Our intent is to buy your house in cash, rehab it (if there is any work that needs to be done), and sell it again at a profit. We have many solutions to buying your house, including seller financing, wholesaling, and of course buying it for cash. All this ensures you will get your house sold fast!rnrnBut because we are also licensed agents, and we have several vetted agent friends, we can offer you the MLS listing option when it better fits your needs. Sometimes that option will be with Scott our in-house agent and sometimes we will connect you with one of our very experienced top real estate agents.

How are you different from a real estate agent?

he average real estate agent will not actually buy your house. Agents will list and market your house on the Multiple Listing Service (MLS), in hopes a buyer will be interested. Agents charge commissions and fees. Listing your house in Kansas City with an agent means you pay closing costs, and title fees, and have to tolerate countless walkthroughs while the house is on the market which can sometimes be a long time.rnrnWe are just a small family team with the cash and connections to other cash buyers interested in buying houses to rehab them and put them back on the market for sale for a profit. We are cash buyers and investors. We are the ones actually buying your house. When we buy your house, you skip the entire hassle of the “agent” process and jump immediately to the offer and closing on the property you have for sale in Kansas City. When we buy your house, we cover the conventional expenses associated with selling a house like closing costs and inspections. And the most notable difference is that we do not charge you any fees or commissions when we buy your house. As mentioned, we skip the entire “agent” process.rnrnBut, if you find an agent and the whole listing process would be a better fit, even after the work, time, closing costs, and commissions, we are here to help.

How Does It All Work, How Can You Help?

Simply tell us a little bit about your house. We will use this information to complete a market analysis of your house that along with our notes from our walk-through, will be used to present you with an all cash offer. After you accept that offer, we take care of the rest of the short process, and you receive your money at closing.

What are My Obligations After I Talk to You?

There are no obligations, at all.rnrnWe understand that you have options. We know there are people out there eager to scam you, and eager to take advantage of you and your situation. To distinguish ourselves from those, we make sure you know there is no pressure, no obligation.rnrnYou truly and absolutely have nothing to lose. We make you an offer and if you accept the offer, great! You will get your cash quickly. If you do not accept the offer we will do our best to guide you in the right direction.

Do I Need To Clean My House Before I Move Out?

Not only do you not need to clean your house before you move out, but you also don’t even need to straighten it up before we come to look at it. Don’t worry about anything. We’ve seen way worse.rnrnJust take whatever it is you want to take and leave the rest. Food in the fridge, been there. Clothes on the floor, done that. Assorted furniture, the charities we donate to love furniture. Heck, we’ve cleaned out all sorts of things, including a frozen turkey and even a 65 Mustang. Believe me when we say, we have seen it all. So why not make things easier and just take what you don’t want to part with and let us deal with the rest? If we find anything we think you didn’t mean to leave behind, we’ll reach out and let you know.

What if I Need Help With Some of the Stuff?

We work with a lot of home buyers who are either downsizing their homes, moving into assisted living, or selling a home they have inherited. They have a few things they want to take but for the most part, they have a house full of stuff that needs to be sold, donated, or just plain thrown away. We can take care of it all, although we have had a few sellers who have inherited and needed to go through EVERYTHING first because they kept finding money, information on unknown accounts, and other valuables that their mother had tucked away in every drawer, pocket, and shoe.rnrnRest assured if we do find Grandma’s long-lost diamond ring, we will give you a call.

What Does It Cost, Do You Have Any Fees or Commissions?

There is no money out of your pocket. All fees are paid by us (we get it back when we sell the rehabbed house to another buyer).

Do You Really Pay A Fair Price for Properties?

Yes, we do pay fair prices. But please keep in mind that there is a difference between a fair price and market value. If the house needs a lot of work, we take the market value of the house and subtract all the costs of repairs needed. This adds up to our fair price. In some special cases, we can present highly competitive offers at market value. However, in those cases, we can’t pay all cash. Instead, we might ask for seller financing or we might take over your current mortgage.

My House is In Terrible Condition, Will You Still Buy It?

We buy homes in Kansas City in any condition good or bad. We primarily buy to fix them up, so the more room for improvement, the more attractive your house is to us. So, Yes, absolutely! We’d love to buy your house even if it is in bad shape, and you may be surprised by how much we will offer for your house! Just fill in our form and see how much we will offer you in cash for your house in KC!rnrnNote when we say We Buy Houses in Kansas City or in KC, we mean the entire Kansas City Metro area.

How Many Houses Do You Buy? What do You Do with Them?

We get this question – all – the – time!!rnrnWe buy a lot of houses. Our goal is to buy, renovate, and resell about 5 to 10 houses a year. Some years we do less and other years we buy way more. And what do we do with them? Simple. We buy them, rehab them and sell them again at a profit. Our home renovations bring new life to neighborhoods. Good for the people, good for the economy, good for everyone!

How Do I Get Started with My Cash Offer?

Getting started is easy. Simply visit our website at www.kcmoHomeBuyer.com, fill out the form, then wait for our call or email.:

Owner Financing or Seller Financing Defined

Owner or Seller Financing is a type of sale where the owner finances the buyer of the house. In essence, they become the bank.

The owner will usually have similar terms to a bank for a buyer to qualify. They will expect a downpayment, to amortize a loan, to charge interest, and a mortgage or deed of trust securing their interest and defining how to foreclose for non-payment. This is also a great way for a seller to help a buyer who may not have the best financial background on paper. Where we see seller financing happening the most is when the seller is selling a property that is either priced below what traditional lenders have as a minimum loan, for example, properties under $50,000. Or on properties that traditional lenders will not lend on, usually homes needing major repairs or mobile homes. Then we see it used on the other side of the spectrum is when the home is over an amount that lenders will lend on or when the seller is asking more than what a bank would lend money on.

Other times we see seller financing when the seller has issues that might keep them from selling a home. For example if they sell and take a lump sum, they might end up with a huge tax burden. By selling a house on terms as seller financing is sometimes called, the seller gets payments over times and can save taxes. There might be other situations where senior care issues will prohibit a cash sale, but selling with payment over time will solve the problem

No matter what your reason for needing to sell with Seller Financing, we have 4 tips to offer.

Four Tips for Selling a House with Owner Financing

Tip #1: Check Buyer Qualifications

You will not have to wait long for an offer if you are willing to provide owner financing; however, you do have to take into consideration WHY they aren’t using a traditional bank to obtain the financing. You must conduct all due diligence on your potential buyers to protect yourself and your investment.

We have purchased a few properties here at kcmoHomeBuyer with Seller Financing. We have also sold several with seller financing. To protect our own interests we have a simple loan application, the banks use a form called a 1003 form from Fannie Mae and you can easily find this form on the internet with a quick search. Next you should do some sort of screening to make sure they are good people, will not destroy the property you are selling and that they pay their bills. We have a tenant screening service called RentPerfect that can do a background check and obtain credit to help you in this situation. Last, make sure you require a downpayment, we like to get at least 10% and prefer 20% or more as a down payment.

Tip #2: Make it Legal

When you find your buyer, make sure you draw up a legal sale contract with all your agreed-upon terms. Make sure you include loan term number of months, down payment, interest rate, payment schedule, and what happens if they default. Next you will also need a promissory note to define all these terms. Then you will need a mortgage in Kansas or a Deed of Trust in Missouri to record in the county records to secure your interest. This recorded documents lets the world know you have a lien on the property as the lender and gives you the ability to foreclose should the terms of the promissory note not be met.

Tip #3: Owner Perks

The whole owner financing process seems to be in favor of the buyer, who may not be able to obtain traditional financing through a regular bank, so why would an owner support this option? You will collect interest on the loan! Often times, you will make more money off the property selling it through owner financing than if you took the lump sum purchase price. You may be able to collect even more interest if you allow for a longer loan period. Also, if you change your mind after a while and do not want to continue to hold the loan, there are investors standing by ready to take over your note. Keep in mind, this will fully depend on the creditworthiness of the buyer and whether they have been making on-time payments or not. And if you have it all set up and documented correctly.

Tip #4: Collect like a Pro

A very important part of financing your own sale is the bookkeeping or “servicing” of your own loan. You need to keep track of all of the payments and when they were made, the real estate tax, insurance, any homeowners association fees, and anything else to do with the note. Hiring a 3rd party to take care of the loan servicing will save you a lot of time and possible errors in the future. You may also be able to accept multiple forms of payment this way to make it easier for your buyer to make the payments on time with a less likely chance of default. Having a professional note servicer will take a lot of liabilities off your hands and provide you with more free time to focus on what you enjoy.

Here in our office we use Allied Servicing, they do a great job at a fairly reasonable price. You can find them online at www.allservicing.com.

We buy houses for cash or we can make payments over time if you would like to minimize any taxes you might have. Take a minute to learn more about us and how it all works. Then fill out our form and tell us a bit more about your situation so we can discuss how we can help.

We buy houses for cash or we can take payments over time if you would like to minimize any taxes you might have. Take a minute to learn more about us and how it all works. Then fill out the form and tell us a bit more about your situation so we can discuss how we can help.