Specialists in 100% Financing... of single family residences (1-4 units), condos, townhomes, and PUD's.

First Time Home Buying-

It's Easier than Ever!

Highlights of first time homebuyer 80/20 100 financing program

þ 100% financing of the purchase price of the home.

þ No Mortgage Insurance required (PMI)

þ No impounds or reserves

þ Borrowers may be self-employed

þ Loans up to $875,000.

þ Higher Debt Ratios, OK

þ Stated Income allowed

þ No time limit on discharged bankruptcies

þ Sellers may contribute to closing costs (up to 6%)

þ No seasoning requirements on funds

 Lenders have created a variety of attractive, flexible loan packages to encourage first time home buyers.

Savvy home buyers with good credit can avoid the monthly mortgage insurance with 100% conventional financing!  No mortgage insurance can mean a potential savings every month, and perhaps tens of thousands of dollars over the life span of the loan!

Additionally, conventional loans do not require the following:

► Seller contributions to non-recurring closing costs

► Special FHA appraisals

► 45 day escrows

► Pre-payment of mortgage insurance

► 3% down payment

Conventional loans are also available to borrowers with recent bankruptcies, slow pays, stated income, and jumbo loan amounts.

Click Here to compare Conventional Purchase Loans to FHA Loans