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Construction and Bridge Loans - Need a loan for building a custom home?

Debt Consolidation - Lower your monthly payments.

FHA & VA Loans - Want more information on government loans?

First Time Buyers - First time buying? We have a program for you!

Refinance - Planning to refinance your home loan?

Purchase Loans - Looking forward to purchasing a home?

Second Mortgages - Need to pull out another mortgage?

No Down Payment - Put zero down on a home.


100% Financing Loan - No down payment for borrowers with good credit.

Adjustable Rate Mortgages (ARM) - About ARM interest rates fluctuating

Balloon Mortgages - Allows low monthly payments and interest rates.

Fixed Rate Mortgages - Lock into a guaranteed rate.

Full Doc and Stated Income - This type of loan usually offers low rates.

Introductory Rate ARMs - More information on ARMs.

Reverse Mortgages - This converts equity into cash.

Types of Standard ARMs


Toll Free: 800.400.4863
Main Telephone: 949.797.9188
Fax: 949.797.9189
License #00954296
Email: [email protected]

Toll Free: 800-400-4863    Main Telephone: 949-797-9188


Zero Down Payment

Understanding No Down (Zero Down) Payment Loans

New loan programs introduced by lenders allow you to make no down (zero down) payments on your new home purchase. This means that you will be financing 100% of your home's total value. These new loan types were created because property values are continually rising, and this generally helps homeowners to create equity in their home. Nowadays, it's much easier for lenders to ensure that a potential client is qualified by simply checking their background.

Who should use a No Down (Zero Down) Payment Loan?

For most people, it may be difficult to put a 20% down payment on a house. Therefore, a no down payment loan is the only way that most borrowers can afford to purchase a home. There are several advantages that borrowers gain by using a no down payment option. Borrowers can use their extra money they have saved in order to purchase furniture or other necessities for their new home. Another advantage is having the ability to lock into a specific home before it appreciates beyond the amount you are willing to pay. A borrower could also lock into a home sooner in order to reap the benefits from the home's appreciation.

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