Definitely with our 0% down payment program! Our exclusive 0% Down Purchase is a down payment assistance program. The purchase is financed with an 97% FHA 1st mortgage and a 3% 2nd mortgage loan up to $15,000 from our lender.

Borrowers will have no required monthly payment on the second mortgage and the second does not accrue interest. The second mortgage is due in full upon refinance of the 1st lien, sale of the property, or the final payment of the amortization schedule of the 1st lien.


  • Allows more borrowers get into a home quicker without a down payment.
  • Allows borrowers to use their funds for home repairs or emergency savings.


  • 30-year fixed loan
  • primary purchases only
  • 1 Unit single-family, PUDs, condos allowed. No manufactured homes
  • Minimum credit score varies depending on scenario but ranges from 620 to 700.
  • Can be paired with a Temporary Rate Buydown for a lower rate and payment


  • Income limits apply
  • No first time home-buyer limitations
  • However, homeownership education required when all borrowers are first-time homebuyers
  • $2500 lender credit towards closing costs possible for low income buyers. (Borrowers who receive this credit are only eligible for up to $12,500 down payment assistance)
  • Non-occupying co-borrowers are not permitted on a 0% Down Purchase

Still have questions? Great – we love questions!

  • Call us at 503.661.5580 or
  • Submit a question on our Contact Us page or
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