3% Down Payment

Whether you are a First TIme Home Buyer or moving up to your dream home, it may be possible to get a 3% Down Payment Loan. With this option you could take advantage of an opportunity to purchase now whether it is for the home of your dreams or your first home. And to further reduce the amount of money you need "out of pocket" use one of the Closing Costs Options below...

"0" or the $395.00 or the "Regular" Closing Cost Option

Depending on the Loan Scenario, one of these may be right for you. For example: With the "0" Closing Cost Option you could purchase a home with less money "out of pocket".

NO PMI with 5% Down Payment

This option allows you to pay only a 5% down payment instead of the normal 20% down payment to avoid paying monthly PMI. This is a "one loan" transaction, not the 80% first loan and the 15% second loan. With the 95% "one loan" you do not have closing costs for a second loan or a higher interest rate on a second loan.

Consider This:

Combine several options. For example: Combine the "0" Closing Cost Option and the No PMI Option and you will be able to purchase your new home for 5% Down Payment with no Closing Costs, and still not have to pay PMI monthly. Or, combine the "3%" Down Payment Option with the Zero Closing Cost Option and you'll only need about 3% to move in. We'll show you several different scenarios so that you can determine what may be best for you.

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