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No Down Payment Mortgage                                                                                                  

No Down payment mortgage products are my specialty. Below are no down payment mortgage products allowing you to buy a home with no down payment. Many no down payment mortgage programs allow more debt than "conventional" loans making your dream of homeownership possible.

We have a page on no down payment loan documentation requirements .

  1. FHA – Often the best choice in first time home buyer programs.
  2. Neighborhood Advantage – 100% Financing. Requires good credit and has some income restrictions but great flexibility. 
  3. No down payment loan - First time home buyer program allows 100% financing.
  4. Nehemiah Foundation Program – No down payment program. Standard FHA underwriting guidelines apply. 
  5. VA –100% to $203,000 including VA Funding Fee. New options to go above the limits ! 
  6. 80/20 –No money down combination program. 
  7. CreditFlex 97 – 97% LTV requires 1% cash. Remaining funds may be gift/loan with closing costs financed. 
  8. EZ Reach 103% LTV - 103% LTV. No cash program finances sales price and closing costs. 30 year fixed.
  9.  103% LTV Program 7 year ARM program finances sales price and closing costs. 
  10. No Documentation Loan - 95% LTV. Allows borrower with difficult to verify income or employment to avoid documentation hassles. 
  11. Combination financing - to 95% combined LTV. Referred to as 80/15/5 or 80/10/10.

Learn more about no down payment mortgage closing costs.

We have a page on calculating no down payment loan qualification ratios. I also have a Free report "Buying your First Home" available by email.

Several of our lenders are now offering interest only options which can often lower your payment or allow you to purchase more house. I have a rather extensive section detailing these new Interest only loan options.

Be sure to visit the Mortgage Library.

This gives you an idea of the variety of low down payment loans available for the first time home buyer. Please let me know your situation and I will prequalify you for several first time homebuyer programs.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer and mortgage debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

No down payment mortgagePrequalify for your no down payment mortgage. 

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