**Updated 05/23/2008** 100% LOANS are near impossible to find as lenders have changed guidelines on a daily basis. These programs may not be available in a few more weeks or months but currently available through a down payment assistance program and an FHA loan.

  Making dreams come true with low down mortgages!

We don’t think that saving for a down payment should be the reason you put your dreams on hold. We can help you buy your dream home with a low down mortgage loan. You’ll not only be able to afford a home sooner, you’ll probably be able to afford more home. With a low down mortgage, the amount of loan you can qualify for is determined by your ability to make your monthly payments rather than how large a down payment you’ve saved. And, for most buyers, this means qualifying for a larger loan.

Some new home builders are using a down payment assistance programs to pay your down payment in order to qualify for an FHA loan. Contact us for help with these programs or participating builders.

Buying a home is something we all dream about, usually for years. You may have saved money for a down payment, but just don’t have enough to buy your dream home. If that’s the case, a piggyback loan may be the best option for you. Different than a zero down mortgage, a piggyback loan is actually two mortgages. The first mortgage is for 80% of the purchase price. The “piggyback” loan (or second mortgage) covers the shortfall between the purchase price and your down payment savings.

Don't wait too long to refinance or purchase a new home as the current mortgage market is under going transformations each and every day. We update this website often so this is current news. We still have 100% financing programs, but as hundreds of lenders go out of business, no one knows if the no money down programs are here to stay. The sub-prime markets are dwindling and now it has spread into the Alt-A products.

We look forward to helping you!

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