DreamLux Home Loans · NMLS #2156538 · Cass County, MO & Miami County, KS

Raymore, Belton & GardnerMortgage Lender

New Construction & Home Loans South of Kansas City — FHA · VA · USDA $0 Down · Conventional · Construction Loans

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No credit impact to review options · Same-day pre-approvals available

$0USDA Down Payment

3.5%Min FHA Down

280+Wholesale Lenders

5★Rated Service

Same DayPre-Approval

Raymore, Belton & Gardner

South KC Metro · High New Construction

South KC Metro Mortgage Expert

New Construction & Home Loans South of Kansas City

Raymore, Belton, Gardner, and Spring Hill represent the fastest-growing corridor in the entire Kansas City metro. Raymore's Creekmoor community and Belton's expanding subdivisions are drawing buyers from across KC who want new construction, affordable pricing, and family-friendly neighborhoods. Gardner and Spring Hill, KS offer rapid new-build activity driven by exceptional affordability.

DreamLux Home Loans specializes in new construction financing for these high-growth communities. Zach Brown (NMLS #2156538) through NEXA Lending's 280+ wholesale lenders delivers construction-to-permanent loans, USDA zero-down options, and same-day pre-approvals for south KC metro buyers.

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Complimentary Resources

Powerful Tools, Completely Free

Every tool below is free to use, built for Missouri and Kansas buyers, and backed by access to 280+ wholesale lenders.

Local MLS · New

MLS Home Search

Search live MLS listings across Missouri and Kansas. Save searches and get alerts the moment a home hits your price range.

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Free · Instant

Home Buyer Qualifier

Find out what your budget looks like in your target market, with no credit pull required.

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Calculator

Mortgage Payment Calculator

Estimate your monthly payment in any Missouri or Kansas market before you shop.

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Side by Side

Loan Estimate Comparison

Already shopping? Send us your Loan Estimate and we'll compare it line by line against options from 280+ wholesale lenders.

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Rate Check

Refinance Analysis

Compare your current loan against today's options and see your break-even timeline.

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Live Pricing

Live Wholesale Rates

See real-time wholesale pricing for your scenario. No SSN, no credit pull.

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First-Time Buyers

First-Time Buyer Programs

FHA, USDA, and assistance programs built for Missouri and Kansas first-time buyers.

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Bonus Tool

Down Payment Assistance

Explore Missouri and Kansas grant programs that may cover your down payment.

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Instant Value

Free Home Valuation

Find out what your home is worth in today's market. No obligation.

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For Sale By Owner

FSBO Pro

Buying or selling without an agent? Get financing support built for FSBO deals in Missouri and Kansas.

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Find Your City

Local Mortgage Markets

Columbia, Jeff City, Lake of the Ozarks, KC Metro, St. Louis, and the Kansas suburbs.

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All Programs

All Loan Programs

Explore all 34+ DreamLux programs: FHA, VA, USDA, conventional, jumbo, physician, DSCR and more.

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Complimentary for Missouri & Kansas buyers · Zach Brown, NMLS #2156538

Available in Raymore, Belton & Gardner

13 of Our Most PopularMortgage Loan Programs

3.5% Down

FHA Loan

First-time buyers, flexible credit

Conventional

Competitive rates, strong credit

$0 Down

VA Loan

Veterans & active duty members

$0 Down

USDA Loan

Rural & suburban eligible areas

Jumbo Loan

High-value & luxury properties

MU Health

Physician Loan

Doctors & MU Health professionals

Free $$

Down Pmt Assist

Missouri grant programs available

NON-QM

Self-employed & alt income

DSCR

Investor rental income loans

HELOC

Access your home's equity

Construction

Finance your custom build

Bridge Loan

Buy new before your home sells

Reverse Mortgage

Equity income for homeowners 62+

View All Programs

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Live Pricing

Today's Wholesale Mortgage Rates

Real-time pricing from 280+ lending partners. No SSN required, no credit pull.

DreamLux Home LoansLive Wholesale Pricing

Pricing shopped across 280+ lending partners.
No SSN required. No credit pull.

No Credit Impact

Soft pull only to review your options

Same-Day Response

Most quotes come back the same business day

280+ Wholesale Lenders

Your file is shopped, not slotted into one guideline set

Licensed in MO & KS

NMLS #2156538, verifiable on Consumer Access

Zach Brown

Senior Loan Officer • NMLS #2156538

NEXA Lending, LLC • (573) 301-4422

Loan Type

Occupancy

Transaction Type

When are you planning to purchase?

Zach Brown | NMLS #2156538 | DreamLux Home Loans, a DBA of NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender | Licensed in Missouri & Kansas
Not a commitment to lend. All loans subject to credit approval, income and asset verification, appraisal and program guidelines.

Start Today — No Cost, No Obligation

Ready to Buy or Build South of Kansas City?

Raymore, Belton, and Gardner's new construction market moves fast. Get your same-day pre-approval or construction loan consultation from Zach Brown — no credit pull required.

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South KC Metro Real Estate

Top Neighborhoods: Raymore, Belton, Gardner & Spring Hill

Creekmoor (Raymore)

Premier lake community, luxury homes, Jumbo & Conventional

Stonegate (Raymore)

New construction, family focus, FHA & Conventional

Foxwood (Belton)

Popular established neighborhood, affordable FHA pricing

Heritage Forest (Belton)

Move-up buyers, top schools, Conventional financing

New Construction (Gardner)

High-volume new builds, FHA & USDA eligible, first-time buyers

Spring Hill Subdivisions

Rapid growth, affordability-driven, construction loans available

Downtown / Midtown KC MO

Urban in-migration, Crossroads arts — DSCR & NON-QM loans

Village West / Legends KS

Retail & jobs hub near KCK — FHA, Conventional & investment

Service Area

Where We Lend in Raymore, Belton & Gardner

DreamLux Home Loans is licensed in both Missouri and Kansas, which matters more on this page than any other. This is the one market where a buyer can shop two states in the same afternoon and the down payment assistance answer flips. A Raymore or Belton buyer can work Missouri MHDC programs. A Gardner buyer gets neither MHDC nor the Kansas statewide KHRC program, because KHRC excludes Johnson County outright. Same 25-minute drive, completely different answer, and most lenders licensed on only one side of the line will not tell you that.

Primary Cities Raymore, Belton and Gardner

Counties Served Cass County, Missouri (Raymore and Belton) and Johnson County, Kansas (Gardner). This page spans the state line.

Neighborhoods & Areas

Creekmoor Eagle Glen Bridle Ridge Timber Creek Stonegate Oldtown Belton Belton Uptown District Copper Springs Prairie Trace Tuscan Farm

ZIP Codes

64083 Raymore, Cass County MO 64012 Belton, Cass County MO 66030 Gardner, Johnson County KS 66021 Edgerton, Johnson County KS

Hours Monday through Saturday, 8am to 7pm CT
(573) 301-4422

Looking north into Jackson County? Lee's Summit and Blue Springs are covered on the Lee's Summit and Blue Springs page.

Raymore & Belton Mortgage FAQ

Common Questions fromRaymore & Belton Homebuyers

Are Raymore and Belton, MO eligible for USDA zero-down loans?

Parts of Cass County around Raymore and Belton may qualify for USDA Rural Development loans. Contact Zach Brown for a free property eligibility check — a $0 down option could save you thousands.

What new construction loan options are available in Raymore, MO?

DreamLux offers construction-to-permanent loans for Raymore buyers building in Creekmoor and other active Cass County subdivisions. We lock your rate at the start to protect against market changes.

What makes Gardner, KS popular for new construction buyers?

Gardner offers some of the most affordable new construction in the KC metro, with strong school districts driving demand. FHA and USDA financing work well here.

Can I get pre-approved for a new build in Belton, MO?

Yes — same-day pre-approvals are available before visiting model homes. This lets you negotiate confidently with builders and move quickly when your lot becomes available.

What Our Raymore & Belton Clients Say

Real reviews from Raymore, Belton, Gardner, and south KC metro homebuyers & homeowners — verified 5-star ratings.

More Missouri Markets We Serve

Serving All ofMissouri & Kansas

Jackson County, Missouri

Lee's Summit & Blue Springs

High amenities and walkable downtowns in KC's fast-growing eastern suburbs.

Lee's Summit Loans →

Johnson County, Kansas

Overland Park & Olathe, KS

Top-ranked Johnson County communities with strong schools and appreciation.

Overland Park Loans →

Clay & Platte County, Missouri

Liberty & KC Northland

KC Northland premium communities with small-town feel and city access.

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Zach Brown — Raymore & Belton Mortgage Lender

NMLS #2156538 · NEXA Lending, LLC · (573) 301-4422 · zbrown@nexalending.com

Apply Now Book a Call (573) 301-4422

Official entity reference

Verify DreamLux Home Loans Facts

Review official details for DreamLux Home Loans, Zach Brown NMLS #2156538, NEXA Lending, Missouri and Kansas mortgage services, loan programs, service areas, and contact information.

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