Afford a home faster with a zero-down mortgage in Florida. Our HomeZero Program eliminates the hurdle of a down payment, providing 100% financing and flexible terms that are ideal for first-time Florida homebuyers and those with lower FICO scores and giving you up to 1.5% of the purchase price for closing costs.
The zero-down program offers 100% financing, eliminating the need for a down payment and making homeownership more accessible for many types of buyers.
With a minimum FICO score requirement of 600 and a DTI ratio of up to 57%, the program caters to a wider range of financial profiles.
The HomeZero Program is a game-changer for buyers. It covers 100% of the cost of buying a home and paves the way for a more inclusive approach to residential real estate.
Our zero-down home loans in Florida are designed for qualifying first-time and repeat home buyers who want flexible lending without the steep cost of a down payment and high closing costs.. It also offers big benefits for those who have been sidelined in the traditional mortgage loan landscape, including high-income earners who may not qualify for other home-buying assistance programs.
At The Doce Mortgage Group, we are committed to making your homeownership dreams a reality. Take advantage of flexibly-structured zero-down mortgages via the HomeZero Program, and enjoy perks like low credit score requirements and interest rates on eligible Florida properties.
Down Payment Assistance: Get 100% financing and put no money down on your Florida home purchase. The HomeZero program provides you with a second loan to cover your down payment and most of your closing costs – either 3.5% or 5% of the total purchase price, depending on your needs and qualifications.
Borrower Requirements: There are no income restrictions to get a HomeZero loan, and you may qualify with a credit score as low as 600 and a DTI as high as 57%. Further, unlike many other assistance loans, there are no first-time homebuyer requirements; however the program can only be used to find a primary residence.
Flexible Terms: Lock in with a 30-year fixed rate on a no-money-down mortgage in Florida. HomeZero loans allow for seller contributions up to 6% as well as gift funds, and can be optimized in multiple ways to fit your needs, such as through a repayable or forgivable loan structure.
You can use the HomeZero program to purchase many types of primary residence properties, including single-family residences, PUDs, townhouses, condos, double-wide manufactured homes, and 1-4 unit properties (so long as one unit is owner-occupied).
Note that no-down-payment loans cannot be applied to secondary residences or investment properties. There are also several limitations around applying a HomeZero loan to a manufactured property – for example, deed restricted and co-op manufacturer homes are not eligible. Other ineligible property types include boarding houses, properties to be used for commercial use (hotels, motels, bed-and-breakfasts, etc.), and tourist houses.
Is your property eligible for a HomeZero loan? Contact Alex Doce today to find out.
You can get a zero down mortgage through government-backed programs like VA loans and USDA loans. VA loans are for eligible veterans, service members, and surviving spouses, while USDA loans apply to homes in qualifying rural and suburban areas. Both programs allow buyers to finance a home without putting money down, making them the most common ways to secure this type of mortgage.
The best way to get a no money down home loan is to apply for a VA or USDA loan.These programs let qualified borrowers finance the full purchase price of a home without a down payment. To qualify, you’ll need to meet service requirements for VA loans or location and income guidelines for USDA loans.
Qualifying for a zero down mortgage depends on the program. VA loans require eligible military service and a credit review, while USDA loans require the home to be in an eligible area and your household income to meet program limits. Strong credit and steady income improve your chances of approval under either option, but some lenders also offer programs designed for first-time home buyer loans with bad credit and zero down, which can expand your options if you don’t meet the typical requirements.
Yes, a zero down first time home buyer loan is possible, but it depends on the program. Some government-backed options, like VA and USDA loans, allow qualified buyers to purchase a home without making a down payment.
Yes, first-time buyers in Florida may qualify for a no money down home loan through VA or USDA programs if they meet the eligibility requirements. In addition, Florida has down payment assistance programs that can help reduce upfront costs by providing grants or forgivable loans.
The main types of home loans with no down payment are VA loans and USDA loans. Both programs are backed by the government, which makes them lower-risk for lenders and easier for buyers who don’t have money saved for a down payment.
You can get a mortgage with no down payment by qualifying for a VA or USDA loan. VA loans are designed for military borrowers, while USDA loans focus on eligible rural and suburban properties. Both make it possible to buy a home without putting money down upfront.
Yes, it is possible to get a home loan with no down payment, but the options are limited to government-backed programs. VA and USDA loans are the primary choices, and some state housing programs can also help cover down payments for qualified buyers.
A first time home buyer without down payment can qualify through special programs. VA loans are for veterans and active service members, while USDA loans are for homes in eligible rural areas. These programs cover 100% of the purchase price, making them a true no money down home loan option.
A zero down home loan is a mortgage that lets you buy a house without putting any money down upfront. Instead of saving for a down payment, you can finance the full cost of the home if you qualify.
HomeZero is a loan program offering 96.5% financing for the first mortgage and up to 5% financing for down payment assistance in the form of a second mortgage.
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