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F.A.Q.
Who is Homebuyers Assistance Foundation?
Home Buyers Assistance Foundation, Inc (HBAF) founded in August 1999, is a charitable organization dedicated to helping people and ocmmunities become financially secure through home ownership and the restoration of and redevelopment of communities.  A non-profit organization recognized as tax-exempt under Internal Revenue Code Section 501(c)(3), Home Buyers Assistance Foundation, Inc. is a public service that meets HUD requirements for a charitable organization (HUD Handbook 4155.I Rev 4 Section 2-10).
 
How do I Apply?

Three different scenarios exist - If you are a Seller or Builder, then you should go to the Sellers & Builders section on this site.  Realtors may also apply from the Sellers & Builders section.  If you are a Home Buyer that has not secured financing, you can apply online in the Home Buyers section of this site.  If you have secured financing then you will need to work with your seller, realtor or builder to request assistance from HBAF.  Refer them to this site and/or have them call us at  (913) 647-1100.  We will be pleased to explain the program and how they can help you purchase their property.

 
 
How Much Will This Cost Me?

Here again different scenarios exist - As a Home Buyer, using HBAF, your costs will depend on whether or not your have past credit issues that may need to be cleared up before closing on a property.

Every purchase scenario is different - if you are bringing recent bad debt to the table, then you need to plan on resolving any such debt - There is no specific answer about how to pay these types debts - you will need to apply - when you are accepted, the resolutions to these kinds of issues can be considered at face value.

HBAF's service is free to homebuyers that qualify for immediate financing.  We have alternative programs and methods to help those of you with significant credit issues.

 
 
How Do I Find My New Home?

As a client of HBAF you will use a realtor to help find your home - HBAF will work with your realtor to complete your purchase.
 
How Long Does It Take?

There is no general answer for how long it takes.  Once you find your property and get a signed contract for purchase, the process of finalizing the loan can be done as quickly as a week but more often than not it will take a little longer.  Expect and plan on 3 weeks to a month, after you find your home, to close.  The issues that add time to the process are things like a fragmented work history, delays in getting requested information to your loan processor, multiple addresses over the past two years, and most significantly changes in your credit status.  Once you begin the process, it is imperative that you continue to pay all of your bills on time, DO NOT change jobs, DO NOT open new lines of credit (unless instructed to do so), and keep going to work.
 
Where Is Your Service Available?

At the present time we have offices in Kansas City, St Louis & Denver.  We will be able to assist you most effectively in these cities but are able to provide help almost anywhere.