$0 Down - 100% Financing

Zero down loans help when you're short on funds for a down payment and closing costs.
Learn to buy or refinance a home with NO MONEY DOWN or out-of-pocket costs.
I'm an expert in creative mortgage financing and can design a program to help you too. 

TIP: Closing Costs and Pre-Paids are required regardless of the amount financed.

3rd-Party costs include title insurance, settlement and lender fees and the home appraisal.
Pre-paids are the mortgage interest, real estate taxes and insurance paid in advance. 

Ask me about how to have your closing costs paid by the Seller.

Buy now and start building equity instead of waiting to save enough for a down payment.
Many people save and save for a downpayment only to find that homes went up in cost.
Tax benefits for homeowners offset the monthly payments with little or no down loans. 

Here are some of the ways to buy or refinance a home with no money down click for more details.

1. One Loan - Financing 100% of the purchase price or value of the home.
          Private Mortgage Insurance (PMI)* may be required - and is now tax deductible.
2. Two Loans - An 80% 1st Mtg and 20% 2nd Mtg - piggy-back or 80/20 loan. 
              Adding a 2nd loan eliminates PMI and the interest may be tax deductible.
3. Seller Contribution - Seller contributes up to 3% downpayment with assistance program - DPA**.
4. 100+% Financing - Borrow more than the purchase price to pay closing costs - community-based grants.
   
   * PMI - Insurance that protects the Lender in case you default on your loan.
   Required when you finance more than 80% of the home's value.
   
   ** DPA - Down Payment Assistance is only available with FHA approved Non-Profit provider programs. 
    
   Ask me how to qualify for these and other programs.