We Buy Houses for Cash in Kansas

Kansas homeowners keep a right after a foreclosure sale that many states have abolished: time to redeem, and in the meantime, the right to stay in the house. How long depends on how much of the original loan has been paid. Kansas sellers also skip two things common elsewhere. The state dropped its mortgage registration tax in 2019, and we found no statute that requires a seller to fill out a condition disclosure form. What Kansas adds instead is a confidential sales validation questionnaire that goes with the deed. Whether your house is a bungalow in Wichita, a ranch in the Flint Hills or a home in the Kansas City suburbs, Swifty Home Buyers can make a cash offer on it as it stands, with no agent commission or repairs, and close on your schedule.

We buy houses in all 50 states. This guide covers the rules that matter in Kansas.

We did not find a Kansas transfer tax on deeds, and the fee schedule posted by the Shawnee County Register of Deeds lists none. The tax Kansas is known for was on mortgages: K.S.A. 79-3102, the mortgage registration fee statute, shows as repealed effective January 1, 2019, the Kansas Legislative Research Department reports that the tax was repealed altogether beginning in calendar year 2019, and Shawnee County states that as of January 1, 2019 there is no mortgage registration tax. What remains is recording. The Shawnee County schedule lists $21.00 for the first page of a deed or mortgage and $17.00 for each additional page, and other counties may differ. The paperwork item to know about is K.S.A. 79-1437c: a real estate sales validation questionnaire, completed by the grantor, the grantee or an agent, must accompany the deed for recording. The register of deeds keeps it out of the public record, holds it for five years, and uses it to help the property valuation director develop data. Ask your title company or register of deeds whether your particular deed needs one. A seller who lists also usually pays an agent commission, which is negotiable and is often the biggest cost, plus payoff and prorated taxes. When you sell to Swifty there is no commission, and we give you a written cost breakdown before you agree.

Kansas mortgage foreclosures go through the district court. After judgment, the property is sold by the sheriff at the courthouse in the county seat. Under K.S.A. 60-2410, the officer must give public notice of the time and place once each week for three consecutive weeks before the sale, and the last publication must fall between 7 and 14 days before the sale. K.S.A. 60-2415 says the court may decline to confirm a sale where the bid is substantially inadequate, and may fix a minimum or upset price. The main feature is redemption. Under K.S.A. 60-2414, the defendant owner may redeem within 12 months from the day of sale. If the default occurred before one-third of the original debt had been paid, the court shall order a redemption period of only three months; if all the mortgages and liens total less than one-third of the property's market value, the court shall order 12 months. For the first three months of the period the owner's right to redeem is exclusive, then other creditors can redeem, and the owner is entitled to possession in the meantime. To redeem, the owner pays the sale bid, the buyer's expenses, interest, costs and taxes accrued. At the end of the period, the sheriff executes a deed. Mortgages on farmland and on one- or two-family homes owned by natural persons as their residence cannot shorten or waive the redemption period, though other mortgages can. The Kansas Homeowner Assistance Fund closed to new applications on December 15, 2023, but the Kansas Housing Resources Corporation (800-752-4422) shares foreclosure resource lists and HUD-approved counseling agencies. If you sell before the sale, payoff comes out of the proceeds and the equity is yours.

• Sell as-is
• Inherited house
• Foreclosure
• Tenants or rental property

Shawnee County (Topeka)

The Shawnee County Register of Deeds' fee schedule is a handy snapshot of Kansas recording costs. It lists $21.00 for recording a deed, mortgage or other instrument for the first page, not exceeding legal size, and $17.00 for the second page and each additional page, and it says that as of January 1, 2019 there is no mortgage registration tax in the county. It does not list a transfer tax. Alongside the recording charge, K.S.A. 79-1437c requires the sales validation questionnaire to accompany the deed. If you are selling a Topeka home, your title company can prepare those pieces for you.