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Achieve Your Dream Home With 100% Financing Via Our HomeZero Program

The HomeZero Program is revolutionizing home buying for those who find the down payment a barrier, especially for individuals with lower FICO scores. Achieve Your Dream Home with 100% financing via our HomeZero Program.

homezero loan program

Key Points

The program offers 100% financing, eliminating the need for a down payment, making homeownership more accessible.

With a minimum FICO score requirement of 600 and a DTI ratio up to 57%, the program caters to a wider range of financial profiles.

Unlike many down payment assistance programs, the HomeZero Program is open to both first-time and repeat home buyers without any income restrictions.

100% financing via our HomeZero Program

What are the advantages?

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What are the disadvantages?

The HomeZero Loan

The HomeZero Program stands out as a game-changer for many aspiring homeowners across the country. By providing 100% financing and embracing flexible lending criteria, it paves the way for a more inclusive approach to home buying. The program’s structure acknowledges the diverse financial landscapes of modern borrowers, offering solutions that are both practical and empowering.

With the elimination of down payment requirements and the accommodation of higher DTI ratios, the HomeZero Program addresses two of the most significant challenges in the mortgage loan process. It’s an ideal solution for those who have been sidelined in the traditional mortgage loan landscape, including high-income earners who may not qualify for other assistance programs.

At The Doce Group, we are committed to making your homeownership dreams a reality through the HomeZero Program. Your satisfaction and successful homeownership journey are the true measures of our success.

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HomeZero Summary

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Borrowers with a minimum FICO score of 600 and a Debt To Income ratio of no more than 50%, looking to purchase primary residences.
Yes, gift funds are permitted to cover additional costs.
Eligible properties; Single Family Residences, PUDs, Townhouses, Condominiums, Double Wide Manufactured Housing and 2-unit Duplexes (one must be owner-occupied).
Loan amounts vary by county and property type, typically ranging from $498,257 to $929,200 for single-family homes in Florida.

 The second loan is forgivable on the HomeZero program after 10 years, if the borrowers still live in the home.

HomeZero disclaimer: HomeZero is a loan program offering 96.5% financing for the first mortgage and up to 3.5% financing for down payment assistance in the form of a second mortgage. HomeZero is available in all states where First Community Mortgage is eligible to do business, except Massachusetts and Washington State.

Get Your Loan Quote Today!