Opening doors to home ownership what many financial institutions and government sponsored programs continue to promote. As a first time home owner, you many not have a down payment or even money for closing costs.  In addition, we all have "bumps" in the road which lead us to higher debt, slow payments, collections, and even bankruptcy. 

Believe it or not, there is hope for most everyone who is willing to sign the dotted line.  Given our market economy and my ability as a mortgage broker, there are a number of mortgage programs which can meet most peoples circumstances.  Understand, that with 100% financing, you may not get the best rate, may carry mortgage insurance. The good news, it that home ownership comes in stages, and over time, you will earn equity, better your credit, and reap the benefits of home ownership. 

One of my most popular mortgage programs is a grant program assisted with the seller's help.  This program is used in combination with FHA financing, and allows the seller to contribute a down payment for your 3% required investment.  In addition, closing costs run in the amount of 2-3% of the purchase price and often a seller can also contribute to help with these costs.  Having the seller contribute to your down payment and closing costs allows you, the buyer to buy a home for nothing out of pocket, start with 3% of equity in the home, and have a FHA insured loan to boot. 

To start the application for a Zero percent down mortgage, click here.