ZERO-DOWN
Home Loan

The biggest obstacle to homeownership for most first-time homebuyers is the lack of funds for a down payment.

96.5% LTV FHA 30yr Fixed 1st combined with a 3.5% LTV 10yr Fixed 2nd:

• 10-year term; 10-year amortized
• 3.5% of sales price or appraised value
• Payable upon sale, refinance, or pay-off (if prior to 10 years)
• Cannot be subordinated
• Payments are not deferred
• Product not available in MA, NY, or WA