Ray Homes with FHA Financing

Ray Homes with FHA Financing

Welcome to Ray County, Missouri—a hidden gem nestled in the heart of the Show-Me State! Known for its rich history, friendly communities, and picturesque landscapes, Ray County is the perfect place to call home. With charming small towns like Richmond and Lawson, residents enjoy a close-knit atmosphere combined with easy access to larger urban centers such as Kansas City, just a short drive away.

Ray County boasts a diverse selection of homes, making it an ideal location for first-time buyers, families, and retirees alike. Whether you’re looking for a cozy cottage, a spacious family home, or a sprawling estate, you’ll find a variety of options to suit your needs. What’s even more exciting is that many homes in this area qualify for FHA financing, making homeownership more accessible than ever. FHA loans are designed to help buyers with lower credit scores or smaller down payments, providing an excellent opportunity for those looking to invest in their future.

In addition to its affordable housing options, Ray County offers a wealth of recreational activities and amenities. Enjoy the great outdoors at local parks, explore the scenic trails, or take part in community events that foster a sense of belonging. With a strong emphasis on education and a variety of local services, Ray County is not just a place to live; it’s a place to thrive.

Discover the charm of Ray County, MO, and take the first step towards your dream home today. With FHA financing available, your new beginning is just around the corner!

Newest Ray Homes with FHA Financing

$209,900
4 Beds ⋅ 2 Baths
LOADS OF POTENTIAL! Brand-new roof, both HVAC systems replaced, and utilities are on! Updated photos coming soon! Raised ranch with 4 bedrooms, 2 full baths, and 2 living areas on the main level. Main bedroom features ensuite bath, his/hers closets, and access to its own private deck—great for relaxing and entertaining! Hardwood flooring and plenty of natural light! Full basement with plenty of room for storage. Easily convert back into 3-car attached garage! Spacious corner lot next to a dead-end street with view of green space. Add this one to the top of your list while it lasts!

1412 Ridgeway Drive, Richmond

Listing courtesy of Connor Reeves of Mother & Son Realty Group.
$165,000
2 Beds ⋅ 1 Baths
Several updates since ownership including newer HVAC, Kitchen Appliances, Front Door and Primary Bedroom Flooring just to name a few! This home has been painted inside and out and offers an open floor plan for your family and friends! There is a bonus upstairs loft that could be used as a theatre room, office, toy room or even a non-conforming 3rd bedroom. The home is situated on a level corner lot across the street from a corn field. This is rural living at its BEST!

35317 Floyd Circle, Orrick

Listing courtesy of Sheila Davis of KC Realtors LLC.
$434,900
3 Beds ⋅ 2.5 Baths
Country roads really do lead home! Welcome to this beautiful country retreat nestled on 10 fully fenced acres in the highly sought-after Lawson School District. Offering the perfect blend of peaceful rural living and convenient access to the Kansas City metro, this well-maintained ranch is ready to welcome you home. The main level features 1,822 square feet with 3 bedrooms and 2.5 bathrooms, offering comfortable spaces designed for everyday living. The spacious living room is anchored by a beautiful brick fireplace, creating a warm and inviting place to gather, while the kitchen provides abundant cabinetry and workspace for preparing meals and making memories. The finished walkout basement expands the home's living space with a second family room featuring another brick fireplace, a half bath, laundry area, generous storage, and a versatile non-conforming room that could easily become a home office, craft room, workout space, or playroom. Recent updates provide added peace of mind, including a new furnace, central air conditioner, and water heater installed in 2020. Step outside and experience everything country living has to offer. The fully fenced 10 acres provide endless opportunities for a hobby farm, a few horses or livestock, gardening, outdoor recreation, or simply enjoying the privacy and beauty of your own land. Bring your four-wheelers and explore, relax beneath the mature shade trees, or unwind while watching the abundant wildlife. Deer are frequent visitors, and during the summer months, you'll often find fawns playing in the backyard. Whether you're dreaming of a hobby farm, more room to roam, or simply a peaceful place to call home, this property offers the space, freedom, and lifestyle you've been searching for. Country roads really do lead home... and this one just might lead you here.

21062 Bright Lane, Lawson

Listing courtesy of Dawn Pointer of Dawn Pointer Homes, LLC.
$400,000
3 Beds ⋅ 2.5 Baths
Looking for a little extra space without giving up convenience? This 3-bedroom, 2.5-bath split-level sits on 2 acres just outside Excelsior Springs and offers the perfect balance of country living and easy access to town. Inside, you'll find two spacious living areas, each with a cozy wood-burning fireplace, giving everyone plenty of room to spread out. The kitchen includes the appliances and opens to the back deck, making it easy to enjoy your morning coffee or relax while taking in the peaceful surroundings. Several major updates have already been completed, including a new septic system in 2024, plus a new water heater and water softener in 2025, giving buyers added peace of mind. Outside, the attached 2-car garage is complemented by a 960-square-foot shop with a concrete floor and 40-amp electrical service, perfect for hobbies, projects, equipment, or extra storage. Bonus attached chicken coop in shop. If you've been searching for room to enjoy the outdoors with practical updates already in place, this property is one you won't want to miss.

207 Evergreen Street, Excelsior Springs

Listing courtesy of Jennifer Engbroten of RE/MAX Heritage.
$699,000
4 Beds ⋅ 3 Baths
Embrace the peace and privacy of country living with this beautifully custom-built home situated on 17.42 picturesque acres just outside the Richmond city limits. Built in 2015, this spacious 4-bedroom, 3-bath home offers thoughtfully designed living space featuring an open floor plan filled with natural light, beautiful hardwood floors and cabinetry, newer carpet in the bedrooms, and select ADA-accessible features for added comfort and convenience. The primary bedroom features and large walk-in closet, private bathroom, and access to the sun room and back deck. The large composite back deck with a walk-down to the concrete patio creates the perfect setting to relax and enjoy the breathtaking views. Spend your evenings fishing in the stocked pond, enjoy fresh fruit from the young fruit trees as they mature, or take advantage of the RV hookups for when visitors come. The detached 284 sqft guest quarters provides a flexible space for guests, a home office, or creative hobbies, while the impressive 100' x 30' outbuilding with concrete floors, electricity, and an industrial ceiling fan is ready for equipment, projects, recreational vehicles, or a workshop. With room to roam, space to grow, and endless opportunities, this is more than just a home—it's a place to build memories and enjoy the lifestyle you've been dreaming of. Schedule your private tour today and experience all this remarkable property has to offer!

39803 K Highway, Richmond

Listing courtesy of Sterling Spicer of ReeceNichols North Star.
$302,500
3 Beds ⋅ 2.5 Baths
Beauiful location! Nicely updated ranch home located on a quiet street in an established neighborhood. Several updates have already been made, including all newer windows and sliding glass door installed in 2021, complete kitchen remodel with beautiful quartz counter tops, all newer plan Lots of cabinets space. Come check it out for yourself, you won't be disappointed. All offers must be submitted at www.vrmproperties.com. Agents must register as a User, enter the property address, and click on "Start Offer". This property may qualify for Seller Financing (Vendee). If property was built prior to 1978, Lead Based Paint Potentially Exists. All measurements and information is due reliable but the buyer and/or buyer’s agent are responsible for verifying.

1005 Lisa Lane, Richmond

Listing courtesy of Michael Diggs of Realty Executives.
$50,000

200 W 5th Street, Henrietta

Listing courtesy of Stephanie Ellebracht of 1st Class Real Estate KC.
$245,000
3 Beds ⋅ 2 Baths
FABULOUS HOME AND MOVE IN READY! So many updates on this...Completely updated Electrical Wiring, Plumbing, Sewer Lines, HVAC and 4 yr old Roof. New Siding, Insulation, Windows, Exterior/Interior Paint! A Wonderful Front Porch 25x7 to Relax and Hang out with Friends or Family. A NEW 1 Car Garage with a HUGH SIDE YARD for the kids to play, Garden or just make into a Flower Garden. So many options! Newly paved street and this amazing home sits on a Corner. DON'T MISS THIS ONE...WILL GO FAST

512 E Lexington Street, Richmond

Listing courtesy of Janice Mackay of ReeceNichols - Lees Summit.
$249,900
3 Beds ⋅ 2 Baths
Tucked away at the end of a quiet dead-end street, this move-in ready gem is the one you've been waiting for! Offering 3 bedrooms, 2 bathrooms, and a large fenced backyard with no immediate neighbors directly behind the property, this home offers a peaceful setting and plenty of outdoor space. Inside, you'll love the fresh paint throughout, creating a bright, clean, and welcoming feel from the moment you walk in. The spacious layout is both functional and inviting, and with a brand-new HVAC system installed just one year ago, you can enjoy added peace of mind. All kitchen appliances stay, making your move even easier. From the fresh updates to the large backyard, this charming Richmond home truly has it all. All that's left to do is move in!

605 S Westview Drive, Richmond

Listing courtesy of Meranda Lefebvre of ReeceNichols-KCN.
$249,999
3 Beds ⋅ 2.5 Baths
Highly motivated seller. Bring us your offers. Super cute home on cul de sac. Easy access to highways. Beautiful yard and surroundings. Primary is on the main level but the upstairs could be a second master suite. New carpet on main level. 3 bedrooms with 2.5 baths and 2 car garage. 2 year old roof. Gorgeous corner lot on a cul-de-sac in the county. Beautiful mature trees, shed, awesome deck for sitting in the evenings. Window coverings.

510 Shawn Crest Lane, Richmond

Listing courtesy of Nita Pridgen of Platinum Realty LLC.
$230,000
3 Beds ⋅ 2 Baths
Well-maintained home tucked away at the end of a quiet cul-de-sac! Recent updates include beautifully refinished hardwood floors throughout the home, a new water heater installed within the past year, and fresh paint that gives the interior a bright, refreshed feel. The finished basement features a spacious bonus room that could easily serve as a primary bedroom, along with a completely renovated full bathroom. With generous living space on both the main level and downstairs, this home offers comfort, flexibility, and plenty of room to grow. Schedule your showing today!

1410 Ridgeway Drive, Richmond

Listing courtesy of Rylee Robinson of Community Realty.
$599,900
2 Beds ⋅ 2 Baths
Welcome to a one-of-a-kind retreat where modern craftsmanship meets total privacy. Custom-built in 2023, this 2-bedroom, 2-bathroom farmhouse offers 2,200 square feet of thoughtfully designed living space wrapped in durable metal construction with a standing-seam metal roof — built to last with minimal maintenance for years to come. Step inside and the surprise begins: far from a typical metal building, the interior is finished with genuine warmth and style — quality craftsmanship and upscale touches throughout that set this home apart from anything else on the market. This isn't a traditional farmhouse, and it isn't trying to be — it's a fresh, distinctive take on rural living for a buyer who wants something different. Set on 10.2 private acres, the home sits on the high ground of the property while the land gently slopes away into a wooded valley behind it, offering natural seclusion, scenic views, and room to roam. Two outbuildings — including a garage-door shed and a second storage shed — provide flexible space for equipment, hobbies, or storage. Located just minutes from Orrick with easy access to Excelsior Springs and the greater Kansas City area, this property delivers the privacy of the country without sacrificing convenience. Whether you're drawn to the acreage, the architecture, or the rare combination of both, this is a property that has to be seen to be appreciated. Schedule your private showing today.

10259 S Perry Road, Orrick

Listing courtesy of Daniel Cooper of Cooper Murdock.
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