Looking for a way to escape the rental trap? Have little to no savings but still want to buy a home? We have solutions for your dilemma. With 100% financing, you don't need a down payment. All you need to pay for is closing costs.

Have no money saved for closing costs? We have strategies to help you avoid this out-of-pocket cost, too.

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• Zero Down Financing
  • 100% financing (no down payment at closing)
  • Seller is allowed to pay (up to 6% of purchase price) closing costs
  • Requires a 600 580 or higher credit score on purchases
  • Requires 3 lines of traditionally rated credit and a 2-year credit history
  • May be fixed rate or ARM loans
  • No time requirements for bankruptcies
  • Up to 55% debt + housing-to-income ratio
  • First-time home buyers allowed at a maximum debt ratio of 50%
  • Maximum loan amounts up to $875,000
  • 100% financing available on single-family residences,
    planned unit developments, duplexes, and condos

• Zero Down with No Income Verification
  • Does not require income or asset verification
  • Requires an excellent credit history
  • Interest rate is higher than 'Zero Down' financing
  • Most programs are limited to the conforming loan limits
  
  
• Other Zero Down Options
  • Check into our Piggyback Mortgage financing options

We have seven (7) different home loan programs that allow you to buy any priced between $150,000 and $550,000 with zero down payment, that's no-money-down. Get pre-approved for this program.

We have six (6) other loans that you can use to buy home with just 1% to 3% down payment for homes priced from $100,000 up to $950,000. Get pre-approved for this program.

We also have three (3) different loans which allow the lender or the seller to pay ALL of your closing costs. Get pre-approved for this program.

We have five (5) different home loans loans with interest rates below six percent (6%). Get pre-approved for this program.

We recently found a bank offering a special Second-Time buyer loan featuring no down payment for current home owners who plan to keep their present home as a rental property. Get pre-approved for this program.