Nicki Franklin-Henderson-United Real Estate Kansas City

11/11/2025

11/10/2025

The government is talking about going to a 50-year mortgage — here’s an example of what that looks like:

The median home price we’ll use is $300,000.
At 6.5% interest:

30-Year Mortgage:
• Monthly Payment: $1,900
• Total Loan Cost: $684,000

50-Year Mortgage:
• Monthly Payment: $1,650
• Total Loan Cost: $990,000

That’s $690,000 just in interest.
People are actually considering 50-year mortgages now just to make ends meet.

Yes — you can make extra payments toward the principal starting in year five (or earlier).
You can also do that on a 30-year mortgage to cut years off the loan and save thousands in interest.

This is the definition of broken.

—
Nicki Franklin-Henderson
📲 816-547-2725
United Real Estate KC
8320 N Oak TRFY Suite 223
Kansas City, MO 64118
📲 816-629-4494
KS/MO Licensed

Each office is independently owned & operated.

11/09/2025

🏠 Big News for Homebuyers – Effective November 16, 2025!

Fannie Mae just announced one of the biggest lending changes in years. Beginning November 16, 2025, Fannie Mae will no longer require a minimum credit score for loans evaluated through its Desktop Underwriter® (DU) system.

✅ Instead of relying on a single number, DU will analyze your entire financial picture — income, debt levels, payment history, and cash reserves — to determine eligibility.

💡 What This Means for Buyers
• More borrowers may now qualify for conventional loans even if their credit scores are below previous cutoffs.
• This creates a fairer path to homeownership for buyers with solid financial habits but limited credit history.
• FHA loans remain unchanged:
• Minimum 580 credit score = 3.5 % down
• 500–579 credit score = 10 % down

📈 Bottom Line

Credit still matters — but your overall financial story will now carry greater weight in approval decisions.

If you’ve been holding off because of your credit score, now’s the time to start preparing. Let’s explore whether a conventional or FHA loan is your best path to homeownership.

⸻

Nicki Franklin-Henderson
📲 816-547-2725
United Real Estate KC
8320 N Oak TRFY Suite 223
Kansas City, MO 64118
📲 816-629-4494
KS / MO

Each office is independently owned & operated.

10/25/2025

🌟 Client Testimonial Spotlight 🌟

I’m truly honored to receive this incredible feedback from my client, Janice Butler.

This is exactly why I do what I do — to guide clients through complex transactions with confidence, clarity, and unwavering support.

🏡 If you’re considering buying or selling, know that I’ll bring the same level of professionalism, market expertise, and relentless advocacy to your real estate journey.

📞 Let’s make your next move a strategic success.

Nicki Franklin-Henderson
📲 816-547-2725
United Real Estate KC
8320 N Oak TRFY, Suite 223
Kansas City, MO 64118
📞 816-629-4494

Licensed in KS & MO
Each office is independently owned and operated.

09/21/2025

⚡ Did you know your appliances could be costing you money— even when they’re turned off?

This is called phantom electrical charge (or standby power). For example, leaving your coffee maker, phone charger, or even your TV plugged in all day can quietly add dollars to your electric bill.

✅ Pro tip: Unplug devices when not in use, or use a smart power strip to cut down on wasted energy.

A small step toward savings today can make a big difference over time!

—
Nicki Franklin-Henderson
📲 816-547-2725
United Real Estate KC
8320 N Oak TRFY Suite 223
Kansas City, MO 64118
📲 816-629-4494
Licensed in KS/MO

Each office is independently owned & operated

09/09/2025

Nicki Franklin-Henderson
📲 816-547-2725
United Real Estate KC
8320 N Oak TRFY Suite 223
Kansas City, MO 64118
📲816-629-4494
KS/MO

Each office is independently owned & operated

08/30/2025

Today my sister and I had to make a run to the City Market for my mom (she needed some vegetables). We ran into Andy Ashley from Ruskin High School. He has a booth set up on Saturdays and Sundays, selling his own brand, Trick Bill’s Barbecue Sauce and Rubs.

I was proud to see one of our alumni out there doing his thing. Andy and my sisters went to school together, so it was especially meaningful to see him representing our community like that.

08/26/2025

08/22/2025

✨ Under Contract! ✨

Exciting news—my client’s home is officially under contract! 🎉

This milestone is the result of strategic preparation, strong market positioning, and the right buyer coming along at the right time. I’m honored to guide my clients through this next phase and ensure a seamless path to closing.

Thinking about selling your home? Let’s connect to discuss how I can position your property for success in today’s market.

⸻

Nicki Franklin-Henderson
📲 816-547-2725
United Real Estate KC
8320 N Oak TRFY, Suite 223
Kansas City, MO 64118
📲 816-629-4494
Licensed in KS/MO

Each office is independently owned & operated