Buying a Home in Kansas City


Buying a home in the Kansas City area can be one of your most significant investments in life. At Scott V Sells KC, we understand that not only are you choosing your residence, and the place in which you will bring up your family, you are most likely investing a large portion of your assets into this venture. That’s why Scott and his team work hard to make sure you are informed and prepared. The more you know at the outset, the less overwhelming and chaotic the buying process will be. Whether you choose to live in one of the great neighborhoods within the city limits 

of Kansas City, or a suburban community like Liberty, Kearney, Platte City, or Smithville, Scott V Sells KC wants to provide you with detailed information to assist you in making an intelligent and informed decision. Remember, if you have any questions about the process, Scott Vulgamott is the Kansas City Realtor that will be with you every step of the way. We’re only a phone call, text or email away!


The Home Buying Process

1. Figure Out How Much House You Can Afford

Hopefully, you’ve been saving for your first home or have equity in the home you are currently in so that you can put a downpayment down on your new home. However, that is not always necessary. Before you fall in love with a dream home you can’t afford, see what your limits are. Use a Mortgage Calculator to get an estimate of how much house you can afford.


2. Get Prequalified and Preapproved For Your Mortgage

Before you start looking for a home, you and Scott will both need to know how much you can actually spend. To do that, you will need to get prequalified for a mortgage from a lending company or bank. Once a lender has looked closely at your credit reports, your employment history and your income, they will determine which loan programs you qualify for, the maximum amount you can borrow and the interest rates you will be offered. With this information, you can be ready to look for your perfect dream home! Check with Scott V. for a list of our preferred lenders for a seamless process. Choosing the right lender can make all the difference in whether your offer is accepted or not.


3. Find the Right Real Estate Agent

A real estate agent is the most important partner when you’re buying or selling a home. An experienced Realtor like Scott Vulgamott can provide you with helpful information on homes and neighborhoods that isn’t easily accessible to the public. With a lifetime of sales experience and almost 20 years on the Kansas City real estate scene, Scott’s knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. According to NAA stats on average a seller utilizing a Realtor nets more that...Here are some tools to help you find the right agent:

  • Read AGENT REVIEWS. Past customers tell the real story.
  • Check out the existence and quality of their website. It is a reflection of their expertise and integrity.
  • Consider the agent's number of years in the local Kansas City market. They'll be able to use their experience to your advantage.
  • Look for a licensed, FULL-TIME Realtor. They will be able to process your purchase quickly and efficiently.
  • Choose an agent who is active in the industry. Ask them to verify their average number of home sales per agent on their team. 
  • Choose an agent who believes your mission comes before his commission. Will you be working the person who has the actual knowledge and experience, or handed off to a "team" member.


4. Shop for Your Kansas City Area Dream Home

Start searching for homes in your price range and desired location. The search function on our website is perfect for narrowing in on your most important home features. You can search by number and types of rooms, price range, location, school district and so much more. When you create saved searches, Scott will set up a search that will automatically notify you through your email when a home comes on the market that matches your saved search options. We also have put together some of the most popular searches for you in the sidebar on the right.


5. Tour Your Favorite Homes

Once you see a home you like, call Scott right away to arrange a tour. It is super important in today’s market that you act quickly to have the chance at what could be your dream home. Remember, Scott is licensed anywhere in Missouri, so he can show you any Missouri home you might find in the Heartland MLS. He regularly shows homes not only in Kansas City, but also in Liberty, Kearney, Platte City, Parkville, Gladstone and other area communities.

Scott recommends that you take notes on all the homes you visit to help you remember everything about them. You can take pictures or video, too.

It’s also important to evaluate the neighborhood and make a note of things such as:

  • Are the other homes on the block well maintained?
  • How much traffic does the street get?
  • Is there enough street parking for your family and visitors?
  • Where is the home compared to schools, shopping centers, restaurants, parks, and public transportation?


6. Make An Offer On Your Favorite Home

Scott will take as much time as you need to find you the right home. Then he will work with you to negotiate a fair offer based on the value of comparable homes in the same neighborhood. Once you and the seller have reached agreement on a price and signed a contract, the house will go into escrow, which is the period of time it takes to complete all of the remaining steps in the home buying process.


7. Get The Home Inspected

Typically, purchase offers are contingent on a home inspection of the property to check for signs of structural damage or things that may need fixing. Scott will help you arrange to have this inspection conducted within a few days of your offer being accepted by the seller. This contingency protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage.

Both you and the seller will receive a report on the home inspector’s findings. You can then decide if you want to ask the seller to fix anything on the property before closing the sale. Before the sale closes, you will have a walk-through of the house, which gives you the chance to confirm that any agreed-upon repairs have been made.


8. Work With A Mortgage Lender to Select Your Loan

Having already been pre-approved for your home loan, you will have already connected with a top Kansas City mortgage lender for your home. Once you’ve selected a home, you will choose the program that fits your needs. That lender will guide you through the process and on to a successful close.


9. Order A Home Appraisal

Your lender will arrange for a certified appraiser to provide an independent estimate of the value of the house you are buying. The appraiser is a member of a third party company and is not directly associated with the lender or with your Kansas City Realtor. The appraisal ensures that you are paying a fair price for the home.


10. Sign The Paperwork & Close

This is one of the least favorite things to do on most buyers’ lists. And it’s one of the biggest advantages of working with a professional Realtor like Scott V.  Scott has closed hundreds of home sales in his career and knows the ins and outs of all of the legal paperwork required to purchase a home. Your lender will arrange for all of the paperwork to be prepared and Scott will oversee that everything is in order before calling you in for a closing signature “party” to finalize that you are the new rightful owner of your dream home. It typically takes a couple of days for your loan to be funded after the paperwork is returned to the lender. Once your loan is funded, you are ready to move into your new home!

Trust Scott Vulgamott When Buying a New Home

As you can see, there is a lot involved in buying a new home! The entire process will be easier on you when you have an experienced Realtor like Scott Vulgamott that you can trust. Scott is a no-pressure kind of guy that truly cares about his clients and wants only to help them reach their home-buying goals. He is always available for a phone call, text, or email to answer any questions you may have about buying a home in the Kansas City area. Call or text Scott at 816.916.7272 and get started finding your dream home today!

Knowledge + Experience = Results


Scott Vulgamott

1999101860 Cell: 816.916.7272 Office: 816.777.5462

Scott V. Sells K.C.

7020 NW 83rd Terrace
Kansas City, MO 64152