Here are a few loan programs used successfully by our clients to become homeowners. Since we represent hundreds of lending
sources, new programs are always being created. Give us a call
to see what may be the best option for your specific financing needs.

Goals of our Zero Down Payment Programs

» Enable you to become homeowners with little or no money
» Provide an affordable monthly payment
» Avoid costly private mortgage insurance (PMI)
» Help structure your purchase to benefit you most

Zero Down Payment Programs
We offer a variety of loan programs designed to assist all types of borrowers with purchasing a home with little or no money down. Details of our loan programs are listed below.

"Pro Mortgage Plus": Purchase your home with virtually NO MONEY! Provides financing up to 103% of the purchase price to cover closing costs and prepaid items, with NO private mortgage insurance required. Ideal for first time or move up buyers.

» Finance up to 103% of purchase price to $500,000 ($575,000 for physicians)
» Closing costs and prepaids can be financed or paid by seller
» NO private mortgage insurance required
» NO payment reserves required.
» Option tax and insurance escrows
» Credit scores to 660
» 33/45 debt ratios
» Eligible for first time buyers

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"Pro 100": Purchase your home with NO money down and NO private mortgage insurance. This program provides more flexible credit and qualifying ratios, while providing very aggressive
program options and interest rates.

» Finance 100% of your purchase price to $500,000
» NO private mortgage insurance required
» NO tax and insurance escrows required
» Seller can pay your closing costs
» Up to 50% debt ratios for first time buyers
» Up to 55% debt ratios for previous homeowners
» NO payment reserves required
» Credit scores to 620 (based on primary wage earners' credit score)
» "Interest-only" payment option available

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