Lowest Down Payment Options

There are many low down payment options to consider in 2025!

Home Possible and Home Ready offer some of the lowest rates and MI associated with your new home.  Here are a few other ideas when you consider your low down payment options:

• 0% FHA down payment program (down payment grants provided)
• 3% down payment program (Gift money acceptable) – reduced MI
• 3.5% FHA down payment program (Gift money acceptable)

CONFORMING, JUMBO, FHA, VA, USDA

• 3% to 5% down payment conforming loan programs with no MI options – reduced MI for qualified buyers. Reduced documentation as well as appraisal waivers saving clients additional money.
• 100% VA purchase financing & 100% Cash Out Refinancing for our VETERANS!
• 95% financing JUMBO LOANS, 90% financing JUMBO LOANS – high LTV aggressive jumbo programs.  If your money is tied up we have – SOLUTIONS.
• 100% USDA purchase financing for buyers in qualified USDA areas.

• Conforming loan repair escrows cannot exceed – $10,000 at the time of your purchase.  The home buyer will have upto 90 days to complete the repair work
• The FHA limited 203(k) options allow you to repair or update your home – maximum repair total not to exceed $75,000.
• You can also include all new appliances, new high efficiency HVAC, roofs, windows & doors, new cabinets, new flooring, new bathroom(s),  and the list goes on.  I am well versed in the renovation loan programs that are in the mortgage market.