FHA Loans Kansas City: Low Down Payment Mortgages & Best Local Lender
At Metropolitan Mortgage, we make Kansas and Missouri home loans simple, with a focus on FHA loans Kansas City. Whether you’re a first-time homebuyer in Brookside, Refinancing in Overland Park, or exploring VA loans in Lee’s Summit, our local expertise and personalized service ensure a stress-free process. Based at 7280 NW 87th Terrace Suite 200, Kansas City, MO 64153, we’ve helped over 10,000 families secure $2 billion in loans.
With 2025 FHA loan limits up to $524,225 for single-family homes, now’s the time to buy or refinance in the Kansas City metro. Get Pre-Approved Today or call us at (855) 313-2480.
1. Why Choose Us
Why Choose Metropolitan Mortgage for Kansas City FHA Loans?
With over 25 years serving Kansas and Missouri, Metropolitan Mortgage is your trusted partner for FHA loans and other home financing solutions. Here’s why we stand out:
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Same-Day Pre-Approvals: Fast approvals to strengthen your offers in Kansas City’s competitive market.
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Flexible Availability: Evening and weekend consultations to fit your schedule.
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Local Expertise: Deep knowledge of Kansas City neighborhoods like Westport, Mission Hills, and Independence.
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Proven Trust: Over 10,000 families served with $2 billion in funded loans.
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Personalized Service: Dedicated loan officers tailor solutions for first-time buyers, veterans, and self-employed borrowers.
FHA loans in Kansas City are perfect for those seeking low down payments (as little as 3.5%) and flexible credit requirements (starting at 580). Our team at Metropolitan Mortgage simplifies the process, ensuring you close in 30-45 days.
Explore HUD’s FHA Resources | Meet Our Kansas City Team Leader
2. FHA Benefits and Requirements
FHA Loans Kansas City: Benefits and Requirements
FHA loans, insured by the Federal Housing Administration, are ideal for Kansas City buyers with median home prices around $250,000-$300,000. These government-backed loans reduce lender risk, offering lower interest rates and easier qualifications. Check our daily FHA mortgage interest rates here to see how they compare to conventional loan options.
Benefits of FHA Loans
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Low Down Payment: Only 3.5% for a $250,000 home ($8,750), compared to 20% for conventional loans.
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Flexible Credit: Qualify with a 580 score for 3.5% down; 500-579 with 10% down.
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Affordable Insurance: FHA mortgage insurance premium (MIP) ensures affordability without PMI cancellation issues.
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Versatile Properties: Covers single-family homes, condos, townhomes, and up to four-unit properties.
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First-Time Buyer Friendly: No residency requirements beyond primary residence.
2025 FHA Loan Requirements
To qualify for FHA loans Kansas City, you’ll need:
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Credit Score: 580+ for 3.5% down; 500-579 for 10% down. Debt-to-income (DTI) ratio under 43%.
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Income Stability: Two years of employment or self-employment with tax returns.
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Property Standards: Must pass FHA appraisal for safety and value.
2025 FHA Loan Limits
| Property Type | Loan Limit |
| Single-Family | $524,225 |
| Duplex | $671,200 |
| Tri-Plex | $811,275 |
| Four-Plex | $1,008,300 |
Source: FHA 2025 Guidelines
3. Loan Program Comparison
Explore All Kansas and Missouri Home Loan Programs
Beyond FHA loans, we offer tailored solutions for every buyer in Kansas City and beyond:
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Ideal for buyers with strong credit (620+). Learn about Fannie Mae programs.
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Zero-down options for veterans and active-duty military.
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For high-value properties exceeding $832,750 in Kansas City. Perfect for luxury homes in Mission Hills.
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Lower payments or access equity with FHA Streamline or conventional refinancing.
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4. The Loan Process and Testimonials
The FHA Loan Process with Metropolitan Mortgage
Our streamlined process gets you from application to closing in 30-45 days:
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Consultation: Free 30-minute call to discuss goals and finances.
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Pre-Approval: Submit documents for a 90-day pre-approval letter.
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Home Search: Shop confidently with our local realtor partners.
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Underwriting & Appraisal: We manage FHA paperwork and inspections.
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Closing: Sign in-person at our Kansas City office or virtually.
Client Testimonials
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“Metropolitan Mortgage made our FHA loan in Kansas City seamless—approved in weeks!” – Sarah M., Kansas City, MO ⭐⭐⭐⭐⭐
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“Their local expertise helped us secure a low-rate VA loan in Overland Park.” – Michael L., Missouri ⭐⭐⭐⭐⭐
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“Rick was always available, making our jumbo loan process stress-free!” – Joni P., Kansas ⭐⭐⭐⭐⭐
5. Tools, Blog, and FAQ
Mortgage Calculator
Estimate your monthly payments with our interactive tool. Adjust loan amount, rate, and term to fit your budget.
Disclaimer: Estimates are for informational purposes. Contact us for a personalized quote.
Latest Kansas City Mortgage Insights
Stay informed with our blog:
Frequently Asked Questions About Kansas City Home Loans
What is the minimum down payment for an FHA loan in Kansas City?
For borrowers with a credit score of 580 or higher, the minimum down payment is 3.5%.
What are the 2025 FHA loan limits in Kansas City?
The limit for single-family homes is $524,225, with higher limits for multi-unit properties up to $1,008,300 for four-plexes.
Can I qualify for an FHA loan with a low credit score?
Yes, credit scores as low as 500 qualify with a 10% down payment, while 580+ allows 3.5% down.
How long does FHA loan approval take in Kansas City?
Approval typically takes 30-45 days, depending on documentation and appraisal.
Are FHA loans good for first-time homebuyers in Kansas City?
Yes, FHA loans are ideal for first-time buyers due to low down payments and flexible credit requirements.
What types of properties qualify for FHA loans in Kansas City?
Eligible properties include single-family homes, condos, townhomes, and multi-unit properties up to four units, meeting FHA appraisal standards.
What credit score is needed for a conventional loan in Kansas City?
A minimum credit score of 620 is typically required for conventional loans.