Where to buy? What to buy and when? Your housing questions here

KANSAS CITY, Mo. - Looking for your first house? WalletHub puts a couple of cities around here as one of the best and one of the worst places to buy.

The site ranked 300 cities for first-time home buyers. Overland Park came in at No. 25.

Kansas City came in low at No. 189.

Is it really that bad in KCMO? The Now KC called around to area retailers to find neighborhoods that are hidden gems.

If it's saving up for a down payment that is keeping you from buying, check this out: You can get free money from the state of Missouri.

First time homebuyers can get a zero percent interest disappearing loan from the state that covers almost their entire down payment. The loan will be for 3 percent of the purchase price.That means if you're getting a very common FHA loan, you would need at least 3.5 percent of the cost of the house to use as a down payment.

For a $200,000 dollar house, 3.5 percent is $7,000. This program would pay for $6,000 of that cost, which means you would only be out-of-pocket $1,000. The loan has no payments, diminishes every year and after five years it disappears completely.

If you move out before five years, you have to pay a portion of it back. If you live in your home five years, you never pay a dime.

Conditions? One or two people in KC can't make more than $70,000 per year, and in most areas, the house can't cost more than $265,000. 

Questions? The best part is your mortgage lender handles all the details. 

On another note, U.S. home builders are also more confident about their sales prospects. The National Association Of Home Builders/Wells Fargo Builder Sentiment Index rose two points this month to 55.

Readings above 50 indicate more builders view sales conditions as good rather than poor. While home builders are optimistic, here's something scary: one-third of Americans have nothing saved for retirement. That's according to a new study from Bankrate.com

Fourteen percent of those without savings are over the age of 65. Most people cite two key reasons for not saving: cost of living and day-to-day expenses.

The message to start saving early does seem to be getting through to the younger generation. The survey finds 32 percent of people 30 to 49 started saving for retirement in their 20s.

More questions? Click here.

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