Zero Down Payment Mortgage ? Can It Be Done?

"I've been renting for years now; I've always paid my rent on time. I'll start a savings account soon, so I can buy a house": sound familiar? How much is in that savings account now? Just as I thought, not enough, you went on vacation, found a car you had to have, or WOW; look at the flat panel T.V. on the wall that you're renting, etc, etc. There's a secret that your landlord doesn't want you to know; you can buy a house with zero down payment. Do you want to know how? Hang on, here we go. Hire a good mortgage professional, it's that easy. Do you want to know more? Of course you do, here are some mortgage programs to help you.

Many companies will do a 100% one loan. This program can be done as a conforming, (good credit, full income documentation; prove income through W-2's and recent pay stubs) or sub prime (those borrowers that don't quite fit into conforming guidelines due to less than perfect credit or trouble verifying income).

There is an 80/20 combo home loan too if you don't mind paying 2 monthly payments to pay your mortgage. The advantage to this is you don't have to carry mortgage insurance on your first mortgage as your loan to value is 80%, that's the cut off for carrying mortgage insurance. That usually means a savings of $40.00 to $90.00 per month over a 100% one loan, however the 80/20 combo home loan is a bit more difficult to qualify for.

The best option, if you're non-military, is a FHA mortgage loan. This is a mortgage that's backed by the government so there's less risk to the lender. Now a FHA mortgage loan requires a 3% down payment, but that can be gifted through a down payment assistance program that the seller participates in. The great thing about a FHA loan is the interest rates are low and usually the seller of the home will pay most of your closing cost. Therefore you're buying the house with zero or very little out of pocket expense.

If you're in the military or a veteran of the military have your mortgage professional check your eligibility to use the VA (Dept. of Veteran Affairs) to back your mortgage. The VA requires zero down payment at a low mortgage interest rate, and your seller will generally pay the majority of your closing cost. Again, you're buying the house with very little or no out of pocket expense.

These are the most popular programs for a zero down payment mortgage. You don't have to have perfect credit or a ton of money to buy a home. Just prove you're responsible, have the ability to pay for your home, and the willingness to pay for your home. The mortgage professional you hire should have a list of real estate professionals to help you in your search for a new home, always use a Realtor to help you, it will make your life much easier, and the seller pays their commission from the sale. Good luck house hunting and finding the perfect mortgage program for you.

Author Marc Sisk; Marc has been originating all types of mortgage loans since 1998. His web site's title is Mortgage Calculator | Refinancing Home Loan | Mortgage Lender. By being an affiliate branch of a large mortgage lender Marc is able to originate mortgage loans in most of the United States, visit his web page to see if we're licensed in your state.

This article may be reprinted or reused please email me a link to the posted page of this article.

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Home Equity Lines of Credit - the Basics

A Home equity line of credit is a loan which... Read More

A Home Loan Can Help You Own Your Dream Home

Owning your dream home need not just be a dream.... Read More

Low Home Mortgage Interest Rate - Finding the Best Mortgage Rate

Interest rates are at an all time low, making now... Read More

Reasons To Get A Home Equity Loan

Using a home equity loan really depends on what your... Read More

Keep Your Eye Focused on Treasury Bond Rates To Adjust Your Current Mortgage Rates

Mortgage rates typically are based off the current rates of... Read More

Home Mortgage Refinancing - Things to Consider When Looking to Get Cash Out on a Refinance

When you refinance your home mortgage, lenders often tempt you... Read More

Home Mortgage Refinancing ? What?s in Your Contract?

Are you one of the millions of Americans who will... Read More

Save Yourself from Homebuying Disasters

Whether you are a first time home buyer or a... Read More

Home or Investment Property Equity: Be Sure the Bank Gives You All that You Deserve

Home equity is your own personal money machine. If you... Read More

Mortgage Brokers or Banks: Which is Right For You?

When you're looking for a home loan, you might work... Read More

Biweekly Mortgage

The biweekly mortgage has been around for years but with... Read More

Follow A Few Simple Steps To Make Shopping For Your New Home Loan A Little Easier

It is likely to be one of the largest purchases... Read More

Home Mortgage Loans For People With Bad Credit - 3 Ways To Improve Your Chances For Getting Approved

Finding home mortgage loans are a reality for people with... Read More

New Home Loan - 3 Tips To Speed Up The Mortgage Loan Approval Process

Imagine this: you've found the perfect house, and feel lucky... Read More

This Secret Weapon Will Eanble You To Close Up To 200% more Home Remodel Sales

Many Homeowners are not aware of all the options that... Read More

Lesser Known Facts About Home Equity Loans

Refinancing your debt via a home equity loan shifts your... Read More