No Down Payment Required!
100% Financing Home Loan
Buy a home with $2,000! By using the FHA program with our 100% financing program, and the seller helping you with up to 6% to pay for closing cost.
If you currently own a home you can still use the program to buy a bigger home (as long your previous property will be rented).
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Testimonials!
Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $39.48
Escrow/Deposit $400 + Inspection $300 + Appraisal $485 + The day of closing $14.41
Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + Appraisal re-inspection $150 + The day of closing $17.57
Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $35.00
Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $257.38
Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $75
Escrow/Deposit $500 + Inspection $300 + Appraisal $485 + The day of closing $295.28
Escrow/Deposit $1000 + Inspection $300 + Appraisal $485 + The day of closing $276.79
FHA
-Loan amount $180,000 to $350,000
-1st Loan FHA 96.5%
-2nd Loan Down Payment Assistance 3.5% (0% interest, no monthly payment required)
-Min Medium Credit Score 620+
-Collections no more than $2000 (medical don't matter)
-No judgement or lawsuit or middle of divorce
-2 years employment W2 (no gaps)
if Self Employed 2 yrs tax returns
-No DISPUTES in your credit report
-No Bankruptcy in the past 2 years, No Foreclosures or Short sales in the past 3 years
-No Late Payments on your rental (copy of past 12 checks)
-3 open accounts in credit report (1+ year history)
-Seller can help you with up to 6% to cover closing cost
CONVENTIONAL
-Loan amount $180,000 to $510,000
-1st Loan FHA 95%
-2nd Loan Down Payment Assistance 5% (monthly payment required term 10 years
-Min Medium Credit Score 640+
-Collections must be paid (medical don't matter)
-No judgement or lawsuit or middle of divorce
-2 years employment W2 (no gaps)
if Self Employed 2 yrs tax returns
-No DISPUTES in your credit report
-No Bankruptcy in the past 4 years, No Foreclosures or Short sales in the past 3 years
-No Late Payments on your rental (copy of past 12 checks)
-3 open accounts in credit report (1+ year history)
-Seller can help you with up to 3% to cover part of closing cost
Step 1 - Pull Credit Report:
You don't need to have perfect credit! The Down Payment Assistance Program requires a minimim of 620+ mid score. In case you have lower scores, we will help you repair your credit and increase your scores.
Don't forget to pull credit report, without this we can't process your application.
Step 2 - Apply Online:
It's time to complete the online application and provide your name SS number, DOB, income, employer name, etc. Click the button below and complete all required fields marked with a red *
or apply in-person at our offices 1155 Pasadena Ave S, Suite H, South Pasadena, FL 33707 call for an appointment 727-642-1166.
Step 3 - Proof of income:
Send us a text message with a picture of your paystub and 2021 W2 @ 727-642-1166 for income verification (or fax it to 727-490-2938)