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AND IT DOESN'T MATTER HOW BAD YOUR FINANCES OR CREDIT IS!  AND YOU CAN DO IT WITH...

ABSOLUTELY NO MONEY DOWN!

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Mortgage Options

Never Rent When You Can Buy!

As a Nationwide Lender dealing with high volume, we can accomplish things that other lenders can only dream of....  

One of these programs will work for you!

Click Here for Details of Loan Programs

First Time Buyer Loans

Down Payment Grants

Absolutely No Down Loans

107% LTV No Down Loan

100% Investor Loans

Stated Income Loans

No Doc, No Job Loans

Bad Credit No Down Loans

No Credit No Down Loans

Credit Challenged Loans

Hard Money Loans

Debt Consolidations

125% Refinances

Commercial Loans 

For Immediate Loan Assistance or Financial  Consultation, Call our Friendly Professionals Toll Free--

877 604 6636

Haven't Found the Perfect Property?

Just complete the short form to the right with a description of your desired home.  When we find it, we'll let you know!

 

 

 

Last Updated 05/15/2012

 National Lender-- Personal Touch Committed to providing all of your financing needs.

As a Nationwide Lender with high volume, we can do things that other lenders can only dream of....

For Immediate Loan Assistance or Consultation, Call our friendly professionals 

Toll Free 916 242 4570

Note:   No Qualifying Stated Income Mortgages and home loans.  We provide No Down Payment No Qualifying Loans with Low Down Payment or even No Down Payment-- No Money down even with bad credit.  Late pays, collections, recent bankruptcy ok!  $0 zero  no down payment low down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit issues collections, judgments, lates, prior bankruptcy in...  Alaska AK Alabama AL Arkansas AR Arizona AZ California CA Colorado CO Connecticut CT Washington DC Delaware DE Florida FL Georgia GA Hawaii HI Iowa IA Idaho ID Illinois IL Indiana IN Kansas KS Kentucky KY Louisiana LA Massachusetts MA Maryland MD Maine ME  Michigan MI Minnesota MN Missouri MO Mississippi MS Montana North Carolina NC collections, judgements, lates, prior bankruptcy OK, North Dakota ND Nebraska NE New Hampshire NH New Jersey NJ New Mexico NM Nevada NV New York NY Ohio OH Oklahoma OK Oregon OR Pennsylvania PA Rhode Island RI South Carolina SC South Dakota No Down Payment No Money down even with bad credit.  Late pays, collections, recent bankruptcy ok! SD Tennessee TN  Texas TX Utah UT  Virginia VA Vermont VT Washington WA Wisconsin WS West Virginia WV Wyoming WY

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Remember, You are already buying a home....   ...The only question is-- are you buying it for yourself and family-- or for your landlord.

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We provide No Down payment No Qualifying No Down Money Down Loans even with bad credit-- Down payment assistance and first time buyer programs with Low Down Payment  No Down Payment collections, judgements, lates, prior bankruptcy OK, No Money down $0 zero down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit, credit issues such as late payments, collections, judgments, even recent bankruptcy and other credit issues in the following major cities:
No Down Loans Abilene, TX
Atlanta, GA
No Down Loans Austin, TX
Baltimore, MD
No Down Loans Boston, MA
No Down Loans Carmichael, CA
Chicago, IL
No Down Loans Citrus Heights, CA
Cincinnati, OH
Cleveland, OH
Columbus, OH
No Down Loans Dallas, TX
Denver, CO
Detroit, MI

El Dorado Hills, CA

No Down Loans Fair Oaks, CA
Green Valley, NV
Hartford, CT
Henderson, NV
Houston, TX
Indianapolis, IN
No Down Loans Jacksonville, FL
Kansas City, MO
Keizer, OR
Las Vegas, NV
No Down Loans Lodi, CA
Loomis, CA
Los Angeles, CA
No Down Loans Miami, FL
Milwaukee, WI
Minneapolis, MN
Modesto, CA
Montgomery, AL
New Orleans, LA
No Down Loans New York, NY
Norfolk, VA
  No Down payment No Qualifying No Down Money Down Loans even with bad credit-- Down payment assistance and first time buyer programs with Low Down Payment  No Down Payment collections, judgements, judgments, lates, prior bankruptcy OK, No Money down $0 zero down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit, credit issues such as late payments, collections, judgments, even recent bankruptcy and other credit issues in these additional major cities:
No Down Loans Orlando, FL
Philadelphia, PA

No Down Loans Phoenix, AZ
Pittsburgh, PA
Portland, OR

No Down Loans Reno, NV

Rocklin, CA
No Down Loans Sacramento, CA
Salt Lake City, UT
Salem, OR
San Antonio, TX
No Down Loans San Diego, CA
San Francisco, CA

No Down Loans San Jose, CA
No Down Loans Seattle, WA

No Qualifying Stated Income Mortgages and home loans.  We provide No Down Payment No Qualifying Loans with Low Down Payment or even No Down Payment-- No Money down even with bad credit.  Late pays, collections, recent bankruptcy ok!  $0 zero  no down payment low down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit issues collections, judgments, lates, prior bankruptcy in...

No Down Loans Stockton, CA
Summerlin, NV
St. Louis, MO
Tampa, FL
Washington, DC

No Down payment No Qualifying No Down Money Down Loans even with bad credit-- Down payment assistance and first time buyer programs with Low Down Payment  No Down Payment collections, judgements, judgments, lates, prior bankruptcy OK, No Money down $0 zero down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit, credit issues such as late payments, collections, judgments, even recent bankruptcy and other credit issues in these states:

Alaska AK Alabama AL Arkansas AR Arizona AZ California CA Colorado CO Connecticut CT Washington DC Delaware DE Florida FL Georgia GA Hawaii HI Iowa IA Idaho ID Illinois IL Indiana IN Kansas KS Kentucky KY Louisiana LA Massachusetts MA Maryland MD Maine ME  Michigan MI Minnesota MI Missouri MO Mississippi MS Montana North Carolina NC North Dakota ND Nebraska NE New Hampshire NH New Jersey NJ New Mexico NM Nevada NV New York NY Ohio OH Oklahoma OK Oregon OR Pennsylvania PA Rhode Island RI South Carolina SC South Dakota SD Tennessee TN  Texas TX Utah UT  Virginia VA Vermont VT Washington WA Wisconsin WS West Virginia WV Wyoming WY No Qualifying Stated Income Mortgages and home loans.  We provide No Down Payment No Qualifying Loans with Low Down Payment or even No Down Payment-- No Money down even with bad credit.  Late pays, collections, recent bankruptcy ok!  $0 zero  no down payment low down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit issues collections, judgments, lates, prior bankruptcy in and around the vicinity of, close to, north, east, south, southern, northern, eastern, west, western, midwest, central abaco abilene, acapulco, ak al alabama albany, alberta albuquerque, amarillo, amsterdam, anaheim, anchorage, angeles, anguilla annapolis, antigua antilles antonio, antwerp, ar area, arizona aruba asheville, aspen, athens, atlanta, atlantic augustine, austin, australia austria avignon, az bahamas- bakersfield, baltimore, banff, bangkok, barbados, barcelona, baton bay bay, beach beach, beijing, belfast, belgium berlin, bermuda bethel, big bilbao, biloxi, birmingham, boca boise, bologna, bonaire, bordeaux, boston, boulder, bowling branson, breckenridge, british brunswick, brussels, budapest, buffalo, butte, ca cabo caicos calgary california campania, cana canada cancun, canmore, cannes, canyon, cape caribbean carmel, carmen, cayman champaign, charleston, charlotte, chattanooga, cheyenne, chicago, china christi, No Down payment No Qualifying No Down Money Down Loans even with bad credit-- Down payment assistance and first time buyer programs with Low Down Payment  No Down Payment collections, judgements, judgments, lates, prior bankruptcy OK, No Money down $0 zero down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit, credit issues such as late payments, collections, judgments, even recent bankruptcy and other credit issues in these additional major cities:cincinnati, cities city city, clearwater, cleveland, cnty, co coast, cocoa cod, cologne, colorado columbia columbia, columbus, copenhagen, cork, corpus costa county, cozumel, crested croix, ct curacao, czech d.c. dallas, davenport, dayton, daytona de del denmark denver, des destin, detroit, diego, domingo dominican dubai dublin, dubuque, durango, durham, dusseldorf, east edinburgh, edmonton, eindhoven, el england falls fe, finland fl fla. flagstaff, florence, florida forge, fort france francisco, No Down payment No Qualifying No Down Money Down Loans even with bad credit-- Down payment assistance and first time buyer programs with Low Down Payment  No Down Payment collections, judgements, judgments, lates, prior bankruptcy OK, No Money down $0 zero down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit, credit issues such as late payments, collections, judgments, even recent bankruptcy and other credit issues in these additional major cities:  frankfurt, freeport french frisco, from ft. ga gainesville, galveston, galway, gatlinburg, geneva, genova, georgia germany glasgow, gothenburg, grand greece green green, greensboro, greenville, guadalajara, guadeloupe, guangzhou, gulf halifax, hamburg, harrisburg, hartford, havasu, haven, hawaiian head, helendale, helsinki, hi hilton hole, hong houston, hungary huntsville, ia iceland id idaho il illinois in indiana indianapolis, indies international ireland island, islands istanbul, italy ixtapa, jackson jackson, jacksonville, jamaica jersey jose, juan kansas kauai, kelowna, key keys keystone, killington, kingdom kitts knoxville, kong, kuala ky la lago lake lake, lakeland, las lauderdale, laughlin, lexington, lille, limerick, lincoln, lisbon, little london, long los louis, louisiana louisville, lourdes, lucas, lucia lumpur, lyon, ma maarten maastricht, macon, madison, madrid, maine malaysia malmo, manchester, manila, manzanillo, marbella, marco marie, marseille, martin maryland massachusetts maui, mayan mazatlan, md melbourne, memphis, mexico mi miami, midland, milan, milwaukee, minneapolis, mississippi missouri mn mo mobile, moines, molokai, montego monterey, monterrey, montgomery, montreal, morocco moses mount mountain mountains ms mt munich, mx myers, myrtle mystic, napa, naples, nashville, nassau nc ne nebraska negril netherlands nevada new newark, niagara nice, nj, nm, norfolk, norway nova nv ny oahu, oakland, ocean ocho odessa, oh ohio ok oklahoma omaha, ontario orange oregon orlando, orleans, oslo, ottawa, pa padre palm panama paris, park park, paso, paul, penang, pennsylvania pensacola, petersburg, philadelphia, philippines phoenix, phuket, pigeon pittsburgh, plata playa pocono portland, portugal prague, providence, puerto punta quebec, raleigh, rapid raton, reno, republic republic- resorts ri rica richmond, rico rios riviera, rochester, rock, rome, rotterdam, rouge, sacramento, salt san sanibel, santa santo sarasota, sault savannah, sc scotia scotland seattle, sedona, seville, shanghai, shenzhen, shores, shreveport, silicon silverthorne, singapore sky, snow, sonoma, south space spain spartanburg, spokane, springs, st. ste steamboat stockholm, strasbourg, stuart, summit sun sunriver, sweden switzerland sydney, No Down payment No Qualifying No Down Money Down Loans even with bad credit-- Down payment assistance and first time buyer programs with Low Down Payment  No Down Payment collections, judgements, judgments, lates, prior bankruptcy OK, No Money down $0 zero down payment and the lowest interest low rate home loans for purchase, refinance debt consolidations even for borrowers with bad credit, credit issues such as late payments, collections, judgments, even recent bankruptcy and other credit issues in these additional major cities:tahoe, tallahassee, tampa, taos, telluride, tennessee texas thailand thomas, tn toronto, toscana, toulouse, trieste, tucson, tulsa, tunica, turin, turkey turks tuscany, tx tyrol, umbria, united usvi utah utrecht, va vail, vallarta, valley, vancouver, vegas, veneto, venice, vermont vero verona, victoria, vienna, virginia vista, vt wa walton washington wayne, west whistler, wi wichita, williamsburg, wilmington, windsor, winnipeg, winter worth, wy wyoming yellowstone, york york, yosemite, zurich

See Below for Details of All of the Following Home Buying & Refinance Loan Programs Even with Bad Credit Issues, lates payments?  OK! Collections? OK! Judgements? OK! We can get you No or Low Down financing even with a recent Bankruptcy

First Time Buyer Home Loan Programs Down Payment Assistance & Home Buying Grants Absolutely No Money Down Home Loans
107% LTV Home Loans 100% No Money Down Investor Loans 100% Stated Income Home Loans
No Doc, No Job Loans (NINA) No Qualifying Loans No Credit No Down Home Loans
No Down Bad Credit Home Loans Hard Money Loans Debt Consolidations
125% Refinances and Debt Consolidations No Closing Cost Loans!

Finding the perfect loan for you is as much a creative art, as an exact science.  The reality is that every house loan always has it's own unique set of individual strengths and weaknesses.  No loan is perfect, in and of itself.  The perfect home loan and financial structure is always created by tailoring it to fit your specific needs and circumstances, taking into account  the attributes of both you and the subject property.  

    We are committed to finding the financing option that best accomplishes your objectives.  

    As a Nationwide Lender (not a broker-- So we never charge a brokerage fee), we can accomplish things that other companies simply cannot.  And we can do it almost instantaneously.  

    We interface directly with the secondary markets so we can actually have an approval, not just a prequalification, but an actual loan approval within 10 minutes of receiving and verifying your complete information.

If it can be done, we can and will do it-- for you.

Overview of Some Available Loan Options

First Time Buyer Home Loan Programs

Specific financing programs available for borrowers who have not had an interest in a home for the past 2 to 3 years.  What are the benefits?  They vary depending on your location, income, credit and other criteria.  The important thing to remember is that if you fit into the criteria for your area, it can usually reduce your interest rate, payment amount, and/or down payment requirement.         Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

Down Payment Assistance and Cash Grants

There are many agencies, charities, municipalities, etc... that will either lend you part of the down payment, all of the down payment, (usually repaid over 20 years), OR, many many House loan programs in which your down payment is actually given to you, (this is common, one just needs to know where and how to apply).  Some of the Down Payment assistance programs have income limitations-- the rational  being that if you make over a certain amount of money you should have been able to save  your down payment.  Many other home loan programs have no such constraints.  Let us know your situation and we'll find the one that works best for you.       Apply Now! or call 877 60 4 NO DOWN (877 604 6636)

 

Absolutely No Money Down Home Loans

There are many government and conventional home loan programs that,  if your income vs. debt ratios are not too high, a loan of 100% of the purchase price will be given you.  However, remember there are still closing costs that must be paid.  (Note: we work in conjunction with your realtor to negotiate a transaction in which the seller, pays most of your closing costs)  For a Realtor who knows how  and is willing  to work hard to minimize your costs, click here.           Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

107% LTV No Money Down Home Loans

These are Home loans and Refinances in which the lender will give 103% to 107% of the purchase price or appraised value.  Why would they do that?  That extra 3% to 7% covers all of your closing costs.  Requires good credit and reasonable debt ratios.       Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

95% to 100% Non-Owner Occupied Investor Loan

If you are an investor with Great Credit you can get the entire purchase price of your residential property financed.  There are many ways to accomplish this but the most usual is a First Mortgage for 80% of the value and then a "Piggy Back" loan funded by us for the remaining 20% of the value.     Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

 

No Money Down Stated Income Home Loans

Some people make a ton of money, but have a great tax man so that their tax returns show little or no income.  We understand the realities of aggressive tax manipulation.  As such, with reasonable credit and an ability to show income (via bank statements or other similar methods), we can use your  statement of your income to get you qualified for that No Money Down Home Loan.    Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

 

No Doc, No Asset, No Job Home Loans

Do you have a great tax man?  No bank accounts?  No Job? Couldn't prove the ability to buy a hamburger?  But REALLY GOOD  credit?  If so, you just have to prove that you are still breathing :-)  It can be reasonably assumed that you have an income from some source to pay your existing obligations so... Even though we can't verify anything--  as with the stated income loan, we can use your  statement of income and past proven ability to pay to get you approved.    Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

 

Bad Credit No Down Loans

Do you have big credit problems?  This doesn't mean that you can't buy-- It simply means that you might have to use creative financing techniques to become a home owner.  We have all loan programs needed to implement these techniques.       Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

Also see- Our Free Online Creative Financing No Down Course.  This free online book will show you everything that you need to know about alternative ways to buy.  Even with no loan at all.

 

No Credit, No Money Down Home Loans

Many people believe that buying a home is difficult and requires the establishment of substantial good credit before they may take that important step to home ownership.  That is absolutely untrue. The truth is that it is easier  to buy than to rent-- and no credit is much better than bad credit.  Many of the newest government programs will allow the person with absolutely no credit and no money to buy.     Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

 

No Money Down Bad Credit Home Loans

Do you have a recent Bankruptcy?  Charge offs?  Late Payments?  Collections?, etc...   If so, you can still buy!  We have the largest assortment of sub prime loans to provide financing even with these issues.  What's the drawback?  The corporations that actually fund these loans, know that they are taking a risk.  As such they require a slightly higher interest rate to compensate for that risk.  If the rate for the person with perfect credit was 5.5% you can expect that these loans would be around 7%.

    Is it worth it to pay the higher interest rate in order to become a homeowner?  Only you can really answer that question-- but many have found that when you take into account the tax write offs you will receive (see Taxes), Plus, the money you will earn from appreciation, the security of home ownership (the landlord will never again tell you to move because he needs a place for his cousin), most people agree that a slightly higher interest rate is definitely worth it.     Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

NOTE: If you buy the property and then work on the credit issues see credit repair, your home can be refinanced to a low rate within 6 months.

 

 

Hard Money Home Loans

We have a myriad of sources for funding, so that no matter what your credit, no matter what your income, no matter what your down payment, as long as the loan that you need is no more than 65% to 75% of the subject property's value  (as distinguished from price), we can fund it-- whether for a purchase or  refinance.      Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

 

Debt Consolidations

Do you own a home with equity?  Do you have some car payments and credit card payments that are costing you a fortune?  A properly structured debt consolidation can pay off those high interest high payment loans-- merge them into your house payment and save you hundreds per month!    

   Apply Now!  or call 877 60 4 NO DOWN (877 604 6636)

 

125% Refinances

Do you own a home with No Equity?  We can still save you hundreds per month.  Is your home worth $200,000 thousand dollars?  We can lend all of your equity plus  $50,000 more than your home is worth and let you use it to pay off those high interest debts or use however you see fit. Start a business?  Down Payment for that great real estate deal?  Buy that new luxury car?  If you have good credit, this loan gives you options.   

   Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

Commercial Loans

Rates and Structuring requirements of commercial loans is highly fluid and changes almost with the wind.  Apprise us of your situation and needs-- One of our professionals will work to give you the best options presently available.  

    Apply Now!

or call 877 60 4 NO DOWN (877 604 6636)

 

Abilene, TX
Atlanta, GA
Austin, TX
Baltimore, MD
Boston, MA
Carmichael, CA
Chicago, IL
Citrus Heights, CA
Cincinnati, OH
Cleveland, OH
Columbus, OH
Dallas, TX
Denver, CO
Detroit, MI

El Dorado Hills, CA

Fair Oaks, CA
Green Valley, NV
Hartford, CT
Henderson, NV
Houston, TX
Indianapolis, IN
Jacksonville, FL
Kansas City, MO
Keizer, OR
Las Vegas, NV
Lodi, CA
Loomis, CA
Los Angeles, CA
Miami, FL
Milwaukee, WI
Minneapolis, MN
Modesto, CA
Montgomery, AL
New Orleans, LA
New York, NY
Norfolk, VA
Orlando, FL
Philadelphia, PA

Phoenix, AZ
Pittsburgh, PA
Portland, OR

Reno, NV

Rocklin, CA
Sacramento, CA
Salt Lake City, UT
Salem, OR
San Antonio, TX
San Diego, CA
San Francisco, CA

San Jose, CA
Seattle, WA

Stockton, CA
Summerlin, NV
St. Louis, MO
Tampa, FL
Washington, DC