I want to buy a Gardner house. We sold our other house in Gardner, KS. a year ago as a short sale. We were late on payments and between jobs. Our income per household is good. Since selling our home, our income is good.

Question: I want to buy a Gardner house. We sold our other house in Gardner, KS. a year ago as a short sale. We were late on payments and between jobs. Our income per household is good. Since selling our home, our income is good.
Leslie, Gardner, Kansas

Answer: Good thing you sold your home as a short sale versus letting it get foreclosed on. If it was foreclosed on, you will need to wait at minimum 3 years and with some mortgage products, 4 years. Before you jump into buying a home, its a good idea to ensure you’ve taken corrective action regarding what caused you to be late on your payments on the previous home you owned in Gardner. Talk to a lender to see if you meet the requirements to purchase again. The criteria is much stricter today to buy a home then it was last year. Many lenders will require you to wait 2 years and have no late pays before you're able to buy a home again. I hope you will have a better experience in the future.

You may also look into the USDA RD loan. It has less restrictive loan qualifications for Gardner home buyers.

A lender I recommend contacting to get started is Dennis Moser. Dennis can be contacted at:

I'm sure Dennis will get you on the right course for buying a home in Gardner, Kansas.

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Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty 

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