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Unlock Homeownership with 100% Financing and No MI
Our $0 Down Home Loan helps home buyers get into their home faster.
A Home Loan Designed for You
The $0 Down Home Loan offers an incredible opportunity for eligible buyers to purchase a home with up to 100% financing and with no mortgage insurance required. Whether you're a first-time buyer or a repeat buyer, this $0 down home loan program is designed to help you achieve homeownership with ease and without waiting years to save up for a down payment. Learn more about how you can qualify and take the first step towards owning your new home today!
Great news! In addition to no down payment, eligible buyers may qualify for a special forgivable loan program providing up to $10,000 (CA only) to cover closing costs and/or interest rate buy-down! You don't need to be a first-time home buyer to qualify. The $10K forgivable loan program is available in select areas throughout California and has no payments or interest.
With 100% financing, a homebuyers borrow up to 100% of the purchase price of the home. This means no down payment required! Down payments are optional with this program, so for those with any amount of down payment (e.g. a family gift may be used to reduce the loan amount). And thanks to a generous loan limit of up to $832,75000 for eligible buyers, you'll be able to find eligible opportunities in just about every major metro area of California.
PROPERTY ELIGIBILITY
Higher income limits and $10,000 for closing costs available on condos and single family homes in the following counties: Los Angeles, Ventura, San Bernardino, Riverside, Orange, or San Diego as well as the following Northern California counties: Contra Costa, Napa, Placer, Sacramento, San Francisco, San Mateo and Santa Clara. The property must be in a census tract with over 50% minority residents according to the latest U.S Census Bureau data.
Our $0 Down home loan with $10K forgivable loan program isn't your typical home buyer's assistance program. With straight-forward guidelines, we help buyers (and their Realtors) know up front whether they're eligible, providing peace of mind in the home search process.
Why Choose the $0 Down Home Loan?
"Home buyers shouldn't have to wait years saving for a down payment to buy a home."
Don't wait to buy a home.
Our mission is to expand home ownership opportunities to as many eligible buyers as possible. That's why we focus on developing partnerships and programs to support more buyers. Today's home buyers face unique challenges and we're here to reduce barriers, help educate buyers and partner with Realtors to expand and support opportunity.
* Higher Income Limits for First-Generation Homebuyers
Specifically designed for the unique needs of California Homebuyers
Higher Income Limits for CA Buyers
We believe in making homeownership accessible for everyone, especially those who are the first in their family to take this significant step. That's why we've recently updated our program to offer higher income limits for first-generation home buyers. Whether your parents have never owned a home or you grew up in foster care (or were adopted), this program has higher income limits to support higher California home prices.
Successful buyers usually start with a quick phone call to discuss the process and get your questions answered. I'm here to be your guide through the entire process. Schedule a call today!
2
Complete an Application (online)
Complete a short online application to get started. Once completed, you'll receive an email invitation to login to a secure portal where you'll upload supporting documentation including pay stubs, W2's, bank statements and driver's license.
3
Review your options
After we review your application and documentation, we'll determine a price range you qualify for and present you with detailed options so you can see how much your monthly payment is estimated to be for homes in various price ranges. Once you're comfortable with the estimates, we'll issue a rock-solid pre-approval!
4
Shop for your new home!
Once you're pre-approved for the $0 down home loan (and $10K grant or $10K forgivable loan), the real fun begins! You'll work with your Realtor to find the right home and structure an offer, and I'll provide payment scenarios and support you throughout the process.
We find you the best rate and mortgage program for your home purchase and refinance goals. Whether you're a first time home buyer or an experienced investor, we have the rates, programs and service to ensure you get the best.
