Zero Down Loans From the First Time Buyer to the Seasoned Investor

You can buy a lovely home, in a great neighborhood, for zero or very low down payment, no matter what your income level or credit situation. Don’t let the lack of down payment keep you from buying a home

• 107% Loan to Value to $650,000 - This program allows you to finance 100% of the sales price plus allows you to finance your closing costs which are generally close to 3% in most areas. The remaining 4% can go towards paying off debt or making repairs to the property. First time homebuyers are limited to 103%. Loan amounts go as high as $650,000.
• 100% Loans to $4 Million - These loans will finance the full sales price. Closing costs cannot be financed however most programs allow the seller to pay your closing costs.
• 100% Loans with Damaged Credit - We call this our "Deal Saver" program. If you have less than perfect credit we can still finance your loan up to $1.125 Million. These loans will focus more on your job strength and previous mortgage or rent verification. Your credit score has a lot to do with what kind of interest rate you will receive. These loans are to get you into the property and then you will look to refinance after your credit improves. We can do this on an investment properties as well up to 4 units
• 100% "Stated" Income Loans - These loans are for the people that write off most of your income. Typically it is for self-employed but W2 employees also have access to this loan. Typically these loans can go up to $1.125 Million.
• 97% 3% Silent Second - For those of you that are buying under $322,700 Call for geographic limitations. This loan is a little stricter than the above loans.
• Under $281,749 – FHA is a government program. You can finance up to 102% of the sales price or you can sign up with one of the gift programs that will pay your down payment for you. The 102% program is stricter than most of the above zero down programs.