100% Financing Home Ownership

Z.E.R.O. Plus

  • FHA 30-year fixed
  • No 1st Time Homebuyer requirement
  • 3.5% GRANT
  • Up to 120% of AMI (area median income)
  • Credit scores as low as 620
  • Maximum loan amount varies by county and state per FHA guidelines

Get More Info

Z.E.R.O. Choice

  • Conventional 30-year fixed
  • No 1st Time Homebuyer requirement
  • 3% GRANT
  • 1-Unit Single Family Primary Residence: including eligible condos, co-ops and PUDs
  • Reduced MI
  • Non-occupant co-borrowers/co-signers maybe permissible
  • Up to 100% of AMI (area median income)
  • No income limit in low income census tracts
  • Cash Back to Borrower: Refund of borrower's earnest deposit money
  • Credit scores as low as 640

Z.E.R.O. Advantage

  • Conventional 30-year fixed
  • 1-Unit Single Family Primary
  • Residence: including eligible condos,
  • co-ops and PUDs
  • Credit scores as low as 640

97

  • 3% grant
  • No income limits
  • Must be 1st time homebuyer
  • Up to $721,050 loan amount, varies by county and state per FNMA guidelines

95

  • 5% down; 3% grant; 2% borrower or
  • gift funds
  • Up-to 120% AMI (area median
  • income)
  • No 1st Time Homebuyer requirement