Ray Homes with VA Loan Financing

Welcome to Ray County, Missouri, a hidden gem that beautifully combines small-town charm with a vibrant community spirit. Nestled in the heart of the Show-Me State, Ray County is known for its picturesque landscapes, friendly neighborhoods, and rich history. With its rolling hills, serene lakes, and lush parks, outdoor enthusiasts will find plenty of opportunities for hiking, fishing, and enjoying nature's beauty.

Ray County offers a diverse range of housing options, making it an ideal place for families, retirees, and everyone in between. One of the most appealing aspects of buying a home in this area is the availability of VA loan financing. This program is designed to benefit veterans and active-duty service members, providing them with accessible financing options that can make homeownership a reality. With favorable terms such as no down payment and competitive interest rates, VA loans are an excellent choice for those looking to settle down in this welcoming community.

As you explore the charming neighborhoods of Ray County, you'll discover a variety of homes that cater to different tastes and budgets. From cozy bungalows to spacious family homes, there’s something for everyone. The strong sense of community, coupled with the convenience of nearby amenities, makes Ray County a fantastic place to call home. Whether you’re looking to enjoy the tranquility of rural living or the vibrancy of local events, Ray County is ready to welcome you with open arms. Start your journey to homeownership today and experience the warmth and beauty of Ray County, Missouri!

Newest Ray Homes with VA Loan Financing

$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.

$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.

$725,000

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

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.

$335,000

5 Beds ⋅ 2.5 Baths

SPACIOUS RAISED RANCH WITH POND VIEWS, FRUIT TREES, & MANY UPGRADES! WELCOME HOME TO THIS SPACIOUS UPDATED RAISED RANCH, FEATURING A CLASSIC BRICK FASCIA AND A NEWER, DURABLE METAL ROOF THAT OFFERS YEARS OF PEACE OF MIND. UNCOMMONLY FEATURING 5 BEDROOMS, WITH 2.5 BATHROOMS, THIS EXPANSIVE LAYOUT OFFERS INCREDIBLE FLEXIBILITY WITH THREE SEPARATE LIVING ROOMS—PERFECT FOR A HOME OFFICE, GAME ROOM, OR LARGE-FAMILY LIVING. THE EXPERTLY FINISHED BASEMENT PROVIDES TONS OF EXTRA LIVING SPACE. AS WELL, THE HOME'S STUNNING, ORIGINAL HANDMADE CABINETS THAT ADD A TOUCH OF TIMELESS CRAFTSMANSHIP. THE HEAVY LIFTING HAS ALREADY BEEN DONE FOR YOU WITH MAJOR MECHANICAL UPGRADES COMPLETED IN 2026. ENJOY ENDLESS SHOWERS WITH A BRAND-NEW TANKLESS HOT WATER HEATER ('26), AN UPDATED ELECTRICAL SYSTEM, AND A NEW SUMP PUMP ('26). THE HVAC SYSTEM IS IN PRISTINE CONDITION, FRESHLY SERVICED IN 2026 WITH A BRAND-NEW BLOWER MOTOR, SOLENOID, AND ACTUATOR TO ENSURE YEAR-ROUND EFFICIENCY. NEWER WINDOWS THROUGHOUT KEEP THE ENTIRE HOME BRIGHT AND ENERGY-EFFICIENT. STEP OUTSIDE TO YOUR OWN PRIVATE RETREAT. THE EXTERIOR FEATURES EXTENSIVE OUTDOOR LIGHTING THAT SHOWCASES A GORGEOUS STONE PATIO—THE ULTIMATE SPOT TO UNWIND AND TAKE IN VIEWS OF THE LOCAL NEIGHBORING POND. THE YARD IS PARTIALLY FENCED, MAKING IT READY FOR YOUR PUPS, AND COMES ALIVE WITH A FRESHLY PLANTED APPLE TREE ALONGSIDE PLUM, PEAR, OAK, AND PINE TREES. COMPLETE WITH A TWO-CAR GARAGE AND TONS OF EXTRA PARKING FOR GUESTS, A CAMPER, OR A BOAT, THIS MOVE-IN-READY HOME TRULY HAS IT ALL. THANKS FOR LOOKING!

205 E Dauxville Drive, Richmond

Listing courtesy of Adam Booth of Booth Company Real Estate.

$394,900

4 Beds ⋅ 3 Baths

Private 5-acre retreat with a massive 40x60 shop and beautifully updated home! This fully renovated property offers the perfect blend of modern updates, space, and privacy — all just a short drive from town. Inside, you’ll find an open and inviting layout featuring fresh updates throughout, including new HVAC, water heater, flooring, paint, fixtures, and more. The spacious finished basement adds incredible flexibility for additional living space, entertaining, hobbies, or storage. Step outside and enjoy peaceful country views, mature trees, and plenty of room to spread out. The huge 40x60 outbuilding with concrete floors and power is ideal for a workshop, business, equipment storage, or all your toys. A brand-new deck creates the perfect spot to relax and enjoy the private setting. Properties offering this much space, this many updates, and a shop of this size at this price point are hard to find. Move-in ready and packed with value — don’t miss your chance to own this one-of-a-kind acreage property!

39232 Fitch Road, Richmond

Listing courtesy of Jake Osborn of Osborn Real Estate.

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