No Down Payment Options


  • Zero Down Payment (100% Financing)
  • No Monthly Mortgage Insurance
  • 2% Guarantee Fee Financed
  • Income Limits
  • Property must be located in a USDA designated area
  • Competitive Rates
  • Seller can pay closing costs

VA - Veterans (Active Duty and Non-Active Duty) and Reservists

  • Zero Down Payment
  • No Income Limits
  • Competitive Interest Rates
  • Loan Amount up to $417,000
  • No Monthly Mortgage Insurance
  • VA Funding Fee Financed


Low Down Payment Options


  • 3.5% Down Payment
  • Gift Funds Allowed (from a relative)
  • Competitive Interest Rate (similar to conventional interest rates)
  • Seller can pay closing costs (up to 6%)
  • Appraisal, processing and closing similar to a conventional loan
  • 620 Minimum Credit Score
  • No Income Limits

North Carolina Housing Finance Agency

  • 3.5% Down Payment
  • Below Market Interest Rates
  • 1st Time Homebuyer Program
  • Reduced Mortgage Insurance Premium
  • Income and Sales Price Limits

5% Down (Conventional)

  • 5% Down Payment from borrower’s own funds
  • No Income or Sales Price Limits
  • Seller can pay up to 3% in closing costs
  • No Geographical Restrictions
  • Loan Amount up to $417,000


Low Mortgage Payment Options

Fully Amortizing ARMs

  • Provides lower monthly payment at the beginning of the loan
  • Initial fixed interest rate period (3, 5, 7 or 10 years)
  • Interest rate and payment adjust annually after fixed period
  • Interest rate adjustments are capped annually and for the life of the loan
  • Down payments as little as 5%
  • Great option for borrowers planning to live in home for just a few years


Interest Only

Temporary Buydown

  • Monthly payment is interest only which provides a lower monthly payment option
  • Interest Only ARM options have an upfront period where the interest rate is fixed and interest rate adjustment caps annually and for the life of the loan
  • Interest Only fixed rate option available
  • Great option for borrowers earning commission income or periodic bonuses who want a low monthly payment with the flexibility of paying larger amounts of principal periodically
  • Lower initial payments for first few years
  • After the buydown period, the interest rate is fixed and principal and interest payment won’t change
  • Buydown cost can be paid by the seller
  • Great option for borrowers whose income will be increasing over the first couple of years of the mortgage

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