We specialize in ZERO Down Payment Loans

We offer Programs available to help first-time and repeat buyers purchase with little to no money out of pocket.  

Some of our many down payment assistance programs:

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0 Down with GRANT Money

  • 0 Down Conventional Financing
  • Up to $10,000 in grant funds (these funds do not need to be repaid)
  • No monthly or up-front mortgage insurance required.
  • Do not need to be a first time homebuyer
  • Income limits and other restrictions apply, call for details.
  • California Only
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CalHFA First-Time Homebuyer Programs.

  • 0 Down Programs
  • Additional financing to help pay for the closing costs
  • FHA, VA and Conventional Financing
  • Minimum 640 credit score for FHA and VA
  • Minimum 680 credit score for conventional program
  • Income limits apply
  • Must be considered a first-time homebuyer - defined as not owning a primary residence for the last three years.
  • California Only
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Down Payment Assistance for Essential Employees.

  • Up to 5.5% in financial assistance, based on the first mortgage loan amount.
  • Do NOT need to be a first-time homebuyer
  • Can own other property
  • Minimum 640 credit score required
  • Income limits may apply
  • California Only
  • up to 1.5% of the finanical assitance can be in the form of a gift for borrowers employed in the following fields:
    • Medical and Healthcare
    • Law Enforcement
    • Fire Fighters
    • Paramedics
    • Emergency Medical Technicians
    • Teachers
    • School administration and staff
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    Coming Soon.

    Coming soon.