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100% financing/No Money Down PROGRAMS

100% Financing No Down-payment Mortgage
100% Financing Mortgages have become a popular choice for financing a home.

    Generally Lenders will do the following:
  • Zero down payment or 100% financing - either a 1st mortgage exclusively or a combination of a 1st and 2nd mortgage* (sometimes referred to as a piggyback mortgage).

  • Advantages to 100 percent financing:
    • No Cash needed for down payment
    • Don't need to liquidate stocks and other investments
    • Borrower may want to finance as much as possible for tax deduction purposes


  • Requirements for 100 percent financing:
    • Property must be owner occupied
    • Fico Score used to be 620. With recent changes in the mortgage industry the Fico Score requirement has
      increased.
    • Normally requires the use of both a first mortgage and a second mortgage
    • Debt ratios of 45 or less


     


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