100% Financing
Our 100% financing programs are designed to increase home ownership across Florida. Even if you have past credit problems including bankruptcies and foreclosures, you may still qualify to buy a home with 100% financing.
You don't need a high paying job and long work history either. Our 100% financing programs are ideal for customers just starting out or, starting over.
Down Payment Assistance
We now offer down payment assistance to first time buyers up to 10 percent of purchase price or $7,500 whichever is greatest. This money may be used for all or part of the down payment, closing costs and anything else. This zero interest money may be used with any of our programs including conventional, VA, FHA and USDA. Call for details about this exiting program.
No Money Down Program Features
- No down payment required
- No 1st time homebuyer requirement
- Loan amounts to $500,000
- No impounds of monthly property taxes and home insurance
- No cash reserves required
- Debt-to-income ratios above 50% allowed
- Seller may pay closing costs
- No mortgage insurance required
- Rates commonly less than traditional 20% down mortgages
- Repairs can be included in mortgage
- VA, FHA and USDA Housing programs available in most of Florida
- Many credit issues ok
- Popular with teachers, healthcare workers, police and firefighters when compared with other financing programs for public service workers.