We love getting buyers into homes for little to no money down.
We have available to you, over 7 different 100% financing, $1000 earnest money total down payment required programs for first time home buyers. The loan amount may not exceed the appraised value.
Flexible credit guidelines. Non-traditional credit histories may be accepted. We also help you with getting your credit scores up so you will qualify if your scores are to low.
Fixed 30 year interest rates apply so your payment will never change due to interest rate. You can also get the term of the loan lower by a few different steps and have it paid off in half the time. Call us for more information.
No maximum purchase price. Qualifying ratios and the applicant’s stable and dependable income will determine home affordability.
Eligible property types include existing homes, new construction, modular homes, Planned Unit Developments (PUD’s), eligible condominiums and new manufactured homes.
Eligible closing costs and lender fees may be included in the loan. We negotiate the closing costs to paid by the seller for our clients. This is part of our negotiating that we do for you. This allows you not to have any money added to your purchase price/loan and no out of pocket expenses other then your earnest money deposit.
Gift/Grant Funds/Mortgage Credit Certificates (MCC’s)/Seller Concessions are allowed.
Eligible repairs and improvements may be included in the loan.
Applicants apply with an approved lender with the specific program for specific clients.
Not limited to first time home buyers. You could have owned a home before and qualify.