Kansas

Welcome to Kansas

Known as the Sunflower State, Kansas offers a peaceful blend of small-town charm, vibrant agriculture, and growing metropolitan areas. From the historic plains to bustling cities like Wichita and Kansas City, the state represents a unique combination of tradition and innovation. Kansas provides an excellent quality of life for families and veterans, driven by a strong sense of community, affordable housing, and a low cost of living.

The state’s central location makes it a strategic hub for transportation, aviation, and military operations. With a deep-rooted respect for its veterans, Kansas offers numerous benefits and programs aimed at supporting those who served. Whether you’re relocating for work, education, or simply seeking the quiet charm of the Midwest, Kansas welcomes veterans with open arms.

Major Kansas Cities

Kansas's major cities each reflect the state's rich cultural history and modern development. Cities like Wichita, Overland Park, and Kansas City blend historical landmarks with contemporary living. Whether it’s through thriving industries or family-friendly communities, Kansas cities offer something for everyone.

Quick Links To Other City Pages

Wichita

Overland Park

Kansas City

Olathe

Topeka

Veteran Benefits in Kansas

Kansas is dedicated to honoring its veterans by providing an array of benefits, ranging from tax exemptions and educational assistance to recreational discounts and healthcare services. The state ensures that veterans and their families have access to the resources they need to thrive.

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Kansas Military Presence

Kansas plays a crucial role in the nation’s defense, housing important military installations that bolster the country's strategic readiness. These bases serve as training grounds and operational hubs, supporting missions across the globe. Below are some key military installations in Kansas:

• Fort Riley: Located near Junction City, Fort Riley is home to the 1st Infantry Division (The Big Red One) and plays a significant role in mechanized infantry and armored warfare.
• McConnell Air Force Base: Situated in Wichita, McConnell AFB houses the 22nd Air Refueling Wing, serving as a pivotal base for air mobility and refueling missions.
• Fort Leavenworth: Known as the "Intellectual Center of the Army," Fort Leavenworth is home to the U.S. Army Combined Arms Center, training officers and strategists.
• Forbes Field (Air National Guard): Located in Topeka, Forbes Field hosts the 190th Air Refueling Wing, supporting both domestic and international refueling operations.

Kansas VA Loan Requirements

VA loan requirements in Kansas align with those in other states, ensuring veterans and active-duty service members can access favorable home financing options. Eligibility revolves around service time, discharge status, and property requirements.

To qualify for a VA loan in Kansas, you typically need to meet one of the following service requirements:

• 90 days of active service during wartime
• 181 continuous days of active service during peacetime
• 6 or more years of service in the National Guard or Reserves
• Unremarried surviving spouse of a servicemember who died in the line of duty or due to a service-related disability

Additional conditions for VA loans include:

• Funding Fee: A one-time fee that helps cover the cost of the VA loan program. This varies depending on your down payment and military category. Some borrowers may qualify for a reduced fee or exemption.
• Occupancy Requirement: Veterans must occupy the property within 60 days of closing. Exceptions apply for certain cases.
• Primary Residence Use: VA loans are meant for primary residences, not vacation or investment properties.

Speak with a Loan Officer to understand all qualification requirements in detail.

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Kansas VA Loan Limits

VA loan limits in Kansas reflect standard national limits but can vary by county. In 2023, the general VA loan limit for a single-family home in most Kansas counties is $766,550. Counties with higher living costs may exceed this amount.

Veterans with full entitlement can borrow above the loan limit without needing a down payment. However, if partial entitlement is in use, a down payment may be required to cover amounts exceeding local limits.

VA Loan Entitlement in Kansas

VA loan entitlement represents the guarantee the VA provides to lenders, ensuring favorable loan terms. There are two types of entitlement:

• Full Entitlement: Veterans with full entitlement can borrow up to 25% of the loan amount without a down payment.
• Remaining Entitlement: If entitlement is partially used, the VA guarantees 25% of the county loan limit minus the previously used amount. A down payment may be required for larger loans.

Your entitlement is a lifetime benefit that can be reused. Speak with a Loan Officer to understand how to leverage this for your home purchase.

VA Loan Rates in Kansas

VA loan rates in Kansas fluctuate based on economic conditions, credit scores, and market demand. Generally, VA loans offer lower interest rates compared to conventional loans, making homeownership more affordable for veterans and service members.

Since VA loans are backed by the federal government, lenders can provide competitive rates with flexible terms. To get the most accurate and up-to-date rates, consult with your Loan Officer.

Types of VA Mortgage Programs in Kansas

• VA Purchase Loan: Available with fixed or adjustable rates, this program allows veterans to purchase a home with no down payment and favorable terms.
• VA Cash-Out Refinance Loan: Veterans can refinance up to 100% of their home’s value to access cash for expenses or consolidate debt, even if their original loan wasn't VA-backed.
• VA Streamline Refinance (IRRRL): The Interest Rate Reduction Refinance Loan simplifies refinancing to reduce interest rates and lower monthly payments with minimal documentation.

How to Get a VA Loan in Kansas

Applying for a VA loan in Kansas is a straightforward process. Follow these steps to get started:

1. Obtain Your Certificate of Eligibility (COE): This document proves your eligibility for the VA loan program. A Loan Officer can assist with this step.
2. Select the Right Loan Program: Discuss your needs with your Loan Officer to choose between a purchase loan, cash-out refinance, or streamline refinance.
3. Find a Home: Work with a real estate agent familiar with VA loans to find a property that meets VA appraisal requirements.
4. VA Appraisal and Inspection: The VA will assign an appraiser to assess the property's value and ensure it meets VA standards.
5. Loan Approval and Closing: Your lender will finalize the loan, and you can close once all conditions are met. If the lender is VA-authorized, separate VA approval isn't required.

After completing these steps, you’ll be ready to move into your new home with the benefits of a VA loan.

Real Estate in Kansas

The Kansas real estate market offers a blend of affordable living, rural charm, and urban convenience. From the bustling metropolitan areas of Wichita and Overland Park to the quiet suburban communities of Lawrence and Topeka, Kansas provides diverse housing options to meet the needs of families, veterans, and retirees. The state's steady economic growth and low cost of living make it an attractive destination for homebuyers. Additionally, Kansas’ veteran-friendly programs, such as property tax exemptions and homestead refunds, further enhance the appeal of settling in the Sunflower State.