Independence Homes with FHA Financing

Independence Homes with FHA Financing

Welcome to Independence, Missouri – a vibrant city steeped in history and brimming with charm! Nestled in Jackson County, Independence is a thriving community that offers a unique blend of small-town warmth and modern conveniences. Known as the hometown of President Harry S. Truman, this city boasts a rich historical tapestry that is woven into its streets, parks, and landmarks. With a population of around 120,000 residents, Independence is not only a great place to live but also a hub for cultural attractions, shopping, and outdoor activities.

One of the standout features of Independence is its commitment to providing accessible housing options for all. For potential homeowners, FHA financing is a fantastic opportunity to consider. Homes in Independence that qualify for FHA financing are perfect for first-time buyers or those looking to secure a home with a lower down payment and flexible credit requirements. This makes the dream of homeownership more attainable than ever!

Independence is dotted with charming neighborhoods, each offering a unique lifestyle. From historic homes that echo the past to modern developments catering to contemporary tastes, there’s something for everyone. Enjoy leisurely strolls through the picturesque parks, explore the vibrant arts scene, or indulge in the delightful local dining options.

Whether you’re drawn to its rich history, community spirit, or affordable housing options, Independence, MO, welcomes you with open arms. Let us help you find your perfect home in this wonderful city, where every corner tells a story and every neighborhood feels like home.

Newest Independence Homes with FHA Financing

15400 37th Terrace S, Independence
$195,000
3 Beds ⋅ 2 Baths
Great Bones, Beautiful Curb Appeal & Tons of Potential! Come see this 3 bedroom, 2 full bath home nestled in a well established neighborhood! This solid, well maintained brick and siding home offers beautiful curb appeal, mature landscaping, and an inviting covered back porch where you can relax and enjoy the sounds of nature. Inside, you’ll find a spacious, functional layout featuring a second large family room just off the kitchen, perfect for entertaining or additional living space. While the exterior is in wonderful condition, the interior is ready for a cosmetic refresh, including fresh paint and updated flooring. A great opportunity for buyers looking for a solid home they can personalize without taking on a major renovation. Enjoy the fenced backyard and convenient location near schools, parks, shopping, dining, and more! Bring your decorating ideas and make this well loved home shine again!

15400 37th Terrace S, Independence

Listing courtesy of Marissa Middleton of RE/MAX Heritage.
2824 S Ann Avenue, Independence
$350,000
4 Beds ⋅ 2.5 Baths
This inviting home blends comfortable living spaces with distinctive character and thoughtful updates. Inside, enjoy vaulted ceilings, a cozy fireplace, and spacious living areas perfect for relaxing or entertaining. The unique bar area adds a fun touch for hosting friends and family, while the versatile additional living space offers room to fit your needs. Step outside to the fenced backyard, where the patio and hot tub create a great spot to unwind. Major updates include a new roof in March 2026, new gutters and downspouts in April 2026, a new furnace and air conditioner in 2020, and updated driveway and sidewalks in 2021. With its character, inviting spaces, and valuable improvements, this home is ready for its next chapter!

2824 S Ann Avenue, Independence

Listing courtesy of Vinny Monarez of Keller Williams Platinum Prtnr.
700 E Fair Street, Independence
$139,900
2 Beds ⋅ 1 Baths
This charming 2-bedroom, 1-bath home on a corner lot offers comfortable living in a convenient Independence location. With a new roof, open one-level layout, a one-car garage and large yard, this property is a great opportunity for first-time buyers, downsizers, or investors. Enjoy the benefits of a single-family home with easy access to shopping, dining, and major highways. Call or text agent to schedule your showing today. Owner/agent.

700 E Fair Street, Independence

Listing courtesy of Gabrielle Wallace of Kansas City Regional Homes Inc.
1633 N 9th Street, Independence
$114,900
2 Beds ⋅ 2 Baths
Very nice ranch style home on corner lot. Windows are vinyl clad Pella windows, living room and den area. The home has been used as a 3 bedroom but one bedroom does not have a closet. County has listed as a 3 bedroom. 1-car garage with opener. Utility area off of dining area with door for closure. Primary has its own 3/4 bath off of it. Hall bath as well as primary bath have been remodeled over the years. There is also a 10'x10' storage building. Great location being close to elementary and high schools.

1633 N 9th Street, Independence

Listing courtesy of Debra Johnson of Coldwell Banker Pasternak Johnson.
3330 Blue Ridge Boulevard, Independence
$225,000
4 Beds ⋅ 1.5 Baths
WELCOME HOME! SPACE, STYLE & VERSATILITY! This beautifully updated home offers comfort, functionality, and plenty of room to make it your own! THE BEAUTIFULLY REMODELED KITCHEN IS SURE TO IMPRESS, featuring stylish updates and newer stainless steel appliances that ALL REMAIN WITH THE HOME! Whether preparing everyday meals or entertaining guests, this inviting kitchen is ready for you to enjoy from day one! Gorgeous refinished hardwood floors and fresh interior paint add warmth and charm throughout. The main level features 2 bedrooms, while the lower level offers 2 additional rooms plus a versatile bonus room perfect for a media room, home office, fitness area, or hobby space. Enjoy the convenience of laundry hookups on BOTH levels, 1 full bath and 1 half bath, along with valuable improvements including a newer roof, gutters, downspouts, gutter guards, and water softener system. LOVE TO ENTERTAIN? Step directly from the dining room onto the spacious deck, ideal for grilling, outdoor dining, and relaxing! The large fenced backyard also features TWO additional patios, providing plenty of space for gatherings and outdoor enjoyment. Conveniently located near restaurants, shopping, parks, and major highways for easy access to everyday amenities. WITH SO MANY UPDATES, FLEXIBLE LIVING SPACES, AND WONDERFUL OUTDOOR ENTERTAINING AREAS, THIS HOME HAS SO MUCH TO OFFER! Schedule your private showing today and see all the possibilities for yourself!

3330 Blue Ridge Boulevard, Independence

Listing courtesy of Denise Cox of Platinum Realty LLC.
18107 E 51st Street Court, Independence
$474,900
4 Beds ⋅ 3.5 Baths
SPACE, STYLE & OPPORTUNITY IN BLUE SPRINGS SCHOOL DISTRICT! This spacious 1.5-story home in Independence has so much to offer! Beautiful hardwood floors welcome you into a home filled with comfortable living spaces and room to spread out. The updated kitchen features crisp white cabinetry, a gorgeous backsplash, granite countertops and a large window over the sink that brings in plenty of natural light. The eat-in kitchen opens to an EXTRA-LARGE deck overlooking a HUGE fenced backyard—perfect for entertaining, relaxing, or enjoying the outdoors! The primary suite features a private bathroom with double vanities, a separate whirlpool tub and shower, and a walk-in closet. All three upstairs bedrooms offer generously sized closets, including an impressive walk-in closet in one of the bedrooms! Head downstairs to discover even more living and entertaining space! The finished basement features an oversized wet bar with granite countertops, a full bathroom with shower, plenty of room to gather, and additional storage space. The conveniently located laundry room sits just off the garage and kitchen, making everyday living a little easier. This home offers a fantastic combination of space, functionality, and potential. Priced with opportunity in mind—make this home your own! Newer windows and newer title in the laundry room and laundry room.

18107 E 51st Street Court, Independence

Listing courtesy of Mikel Newman of Keller Williams Platinum Prtnr.
10704 E 34th Street S, Independence
$194,900
2 Beds ⋅ 1 Baths
Move-in ready with the big-ticket updates already done! This beautifully updated 2-bedroom, 1-bath home combines original character with thoughtful modern improvements throughout. Refinished hardwood floors flow through the main living areas, while the refreshed kitchen features quartz countertops, a new backsplash, updated cabinetry, new LVT flooring and new appliances. The bathroom has also been updated with LVT flooring and a tiled tub/shower surround. Beyond the finishes, this home offers an impressive list of major improvements, including a NEW roof, NEW A/C, NEW water heater, NEW electrical panel and wiring, plus a NEW garage door and opener. Even better, the laundry has been relocated to the main level—no more hauling laundry up and down the basement stairs! A clean, dry basement provides additional storage, while the attached garage adds even more convenience. With a functional layout, fresh updates throughout and nearly all of the major improvements already taken care of, this home is ready for its next owner to make it their own.

10704 E 34th Street S, Independence

Listing courtesy of Karma Moulding of Laura Lynne Real Estate LLC.
1944 S Hardy Avenue, Independence
$165,000
2 Beds ⋅ 1 Baths
OPPORTUNITY! Stop paying rent and start building equity in your own home. This rare gem has THREE LOTS to spread out on!! Situated on a corner across the street from Hill Park, the property sits on three city lots, offering an oversized footprint, a detached garage, and rare elbow room. There is room to build an extra garage or she-shed, put in a garden or sell one lot for extra income! This move-in ready bright and cheery 2-bedroom, 1-bathroom home is tastefully updated and features a fresh, modern feel with updated luxury vinyl plank flooring throughout, updated bathroom and a convenient main-floor utility room. The water heater and sump pump are only one year old, and the HVAC is only two years old. Step out onto the custom-built deck for entertaining or relaxing, with massive potential for yard expansion, extra parking, or future improvements. Houses with property to spread out, have your privacy and are less than paying rent are a rare find. The lot on the corner used to have a house on it.

1944 S Hardy Avenue, Independence

Listing courtesy of Natalie Charles of Keller Williams Platinum Prtnr.
16009 E 40th Terrace, Independence
$279,000
3 Beds ⋅ 3 Baths
Amazing top to bottom rehab on this 3 bed 3 bath home. Brand new roof, gutters, concrete driveway, HVAC and deck. Brand new kitchen cabinets, granite counters, backsplash and stainless appliances. Bathrooms features sleek tile showers and floors with new vanities, fixtures, etc. Beautiful new LVP floors with all new plumbing and electrical fixtures throughout. Lower level offers plenty of additional living space and a full bathroom. Large backyard at the end of a very quiet cul-de-sac street. Owner/Agent.

16009 E 40th Terrace, Independence

Listing courtesy of Bob Woelfel of Directions Realty L L C.
10030 E 22ND Street, Independence
$170,000
3 Beds ⋅ 1 Baths
Welcome to this beautifully updated home at 10030 E 22nd Street! This move-in-ready property offers a fresh, modern feel with stylish finishes throughout. Step inside to discover a bright and inviting living space featuring updated flooring, fresh neutral paint, and plenty of natural light. The refreshed kitchen offers white cabinetry, updated countertops, a tile backsplash, and stainless steel appliances. Enjoy comfortable living with a functional layout and clean, contemporary finishes that make this home easy to settle into. Outside, you'll find a spacious yard with room for outdoor activities, entertaining, or relaxing. Conveniently located in Independence with easy access to shopping, dining, major highways, and the greater Kansas City metro. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment property, this home offers a great opportunity. Schedule your showing today!

10030 E 22ND Street, Independence

Listing courtesy of Caleb Brown of Sage Door Realty, LLC.
4908 S Casey Court, Independence
$320,000
3 Beds ⋅ 2.5 Baths
Welcome home to this inviting raised ranch tucked away on a cul-de-sac in Independence! Offering 3 bedrooms, 2.5 bathrooms, and approximately 2,107 square feet of finished living space, this home provides room to spread out and make yourself at home. The main living area features a wood-burning fireplace, creating a cozy place to gather, while the kitchen and dining spaces offer room for everyday living and entertaining. The finished lower level adds valuable extra living space, along with a convenient two-car garage. Step outside to enjoy the fenced backyard, covered deck, and patio—perfect for relaxing or enjoying time outdoors. Major updates include a new roof and gutters and HVAC system in 2019. With a great combination of indoor living space, outdoor enjoyment, and a tucked-away cul-de-sac location, this home is ready for its next chapter. Schedule your showing today!

4908 S Casey Court, Independence

Listing courtesy of Aneisha Mitchell of Keller Williams KC North.
15305 E 45th Terrace S, Independence
$144,500
2 Beds ⋅ 1.5 Baths
THIS ONE IS PRICED TO SELL QUICKLY! You bring the paint and carpet and elbow grease and save $$$ on this townhouse. The convenient location right off 40 Hwy makes it a great place to live with easy access to highways, restaurants and stores. The HOA covers lawn care and trash service. The main level features a spacious great room with vaulted ceilings. Fresh paint will make a world of difference. 2 bedrooms are generous in size and also need paint to freshen things up and new flooring. Townhouse is selling as is. Seller has priced this accordingly. Buyers agent to verify taxes, sq footage and HOA.

15305 E 45th Terrace S, Independence

Listing courtesy of Janice Cunha of ReeceNichols - Lees Summit.
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