Low & Zero Down Home Loans
Affordable home financing solutions with low to zero money down
At Empower Capital Group, we understand that not every potential homeowner has the funds available to make a substantial down payment — that’s why we are pleased to offer multiple options for low money down or zero money down home financing.
From FHA home loans that require only 3.5% down to USDA and VA loans that offer up to 100% financing, we can likely help you find a mortgage program that provides the financial flexibility you need at an interest rate you can afford. We even offer a 1% down conventional mortgage where the borrower puts down 1% and the lender puts down 2% toward the down payment! Let’s explore the options together. Simply give us a call at the phone number below, or request a quote using the form on this page. If you’re interested in low and zero money down mortgages but aren’t quite ready to speak with us yet, no problem. Just take a look at the key points at the bottom of the page to get a better understanding of each program, then feel free to reach out to us when you’re ready.
Contact us today for a free quote and home loan consultation
(800) 98-LOWER | (800) 405-7941
Why Consider A Low or No Money Down Mortgage?
First time buyers may have difficulty affording 10-20% down at closing, since they don’t have the luxury of using proceeds from the sale of their previous home. Likewise, repeat home buyers who are simply on a tight budget may not have enough cash from the proceeds of the sale of their previous home to cover a traditional down payment.
With a low or zero money down mortgage, you can keep your hard-earned savings intact, or continue building your savings to put toward another investment such as paying for an investment property, starting your own business, or going back to school.
FHA loans, USDA loans and VA loans all have fairly lenient credit requirements. Even borrowers with less-than-ideal credit histories may be able to get approved for one of these government-backed home loans. Talk to one of our lending professionals today to find out more.
These low and zero money down loans are available for a variety of residential properties, including single-family homes, condos, manufactured housing, and even 2-4 unit multi-family homes (as long as the borrower uses 1 of the units as his/her primary residence). Property eligibility may vary by program.