Unique Opportunity!

Apply for up to 100% mortgage financing with no morgage insurance!

Conventional Loan! Not a VA Loan

What is this program?

  • This is a program designed to help homebuyers get the funding they need to buy a home.

  • First-time homebuyers are eligible

  • Private Mortgage Insurance isn't required

  • Maximum income guidelines apply

  • Only $500 required from borrower on 100% LTV loans

    Benefits of this Program:

    🏠 Finance up to 100% of your mortgage

    💰$500 minimum contribution required

    🛡️No Private Mortgage Insurance required

Minimum program requirements

This program is available to homebuyers who meet income guidelines and whose property is located in an eligible census tract.

  • Minimum FICO score of 640+ (subject to change). If you are not at 640 or higher, reach out as we would love to guide you on how to reach at least the 640 required.

  • Property located in an eligible census tract

  • Eligibility is based on income

Frequently asked questions:

question: where is this program available?

Answer: This program is available in the following states: Arizona, California, Colorado, Florida, Georgia, Hawaii, Kansas, Maryland, Missouri, North Carolina, Nebraska, New Mexico, Nevada, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin and West Virginia.

question: What are the credit requirements to qualify?

Answer: You must meet the following requirements to qualify for this program:

  • Minimum 660 credit score for 100% loan-to-value ratio

  • Minimum 640 credit score for 97% loan-to-value ratio

  • 45% debt-to-income ratio

  • 2 months of payment reserves (principal and interest, taxes and insurance)

question: what are the income requirements to qualify?

Answer: Income limits apply based on the location of the property being purchased, median area income levels and whether you're a first-time homebuyer. Please submit the application and we will go over all of that with you!

question: why does this program exist?

Answer: The ability to afford a home is slipping farther out of reach for many working Californians. Accessing homeownership and making a down payment is often even more difficult for many people. This program is geared toward struggling home buyers who have a hard time saving up money.

question: what’s the catch?

Answer: There really isn’t one! This program has income limits and geographic restrictions which we will discuss but there are tons of areas and homes here in and around Sacramento where this program will work.

question: How can I make sure I’m ready to take advantage of this Program?

Answer: Please make sure to fill out the form below and we will give you more information on it as well as get you in a position to take advantage of the program while it still exists!