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We make 100% financing possible by combining a traditional 80% loan with our 20% down-payment loan, saving you money by eliminating mortgage insurance. Clients are required to invest a minimal 1% of the home purchase price or $1,000, whichever is less, when participating in 100% financing. 100% Financing Loan Details:

  • 100% financing for your home purchase.
  • Competitive interest rate and terms.
  • No private mortgage Insurance.
  • Minimal investment towards closing costs or pre-paids – 1% of the purchase price or $1,000  (lesser of the two).
  • Credit scores of 620 and above or no credit score. Consideration given on a case-by-case basis when score is below 620.
  • Available for all home buyers though you may not own another home at time of closing.
  • Income limits apply. For example, a family of four earning as much as $97,300 annually may qualify. Call for details.
  • Seller may contribute no more than 3% of the purchase price toward buyers closing costs and pre-paids.
  • Community seconds are available to cover closing costs or pre-paids that are over and above the 3% seller contribution, not to exceed 105% combined loan-to-value.
  • 30-, 20-, 15- and 10-year loan terms available depending on loan amounts and debt-to-income ratio.