Through the borrowed down payment plan available through us you can qualify to purchase with 100% financing

This applies to new and existing home purchases that are owner occupied with no more than 2 units.

Our plan will allow you to borrow against a line of credit, loan or credit card that can be used for the 5% down payment.  The balance of the purchase price would be obtained as a standard mortgage at best industry rates.

We would use the monthly repayment  of the borrowed funds in your overall total debt service ratios and provided they meet the minimum guidelines you are approved!

Another option would be to simply obtain a gift from a family member for the 5% down payment.  A gift letter template and proof of deposit of the gift would be the documents required for underwriting.