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Jan
14

100% Financing

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Buying a home with no money down can be a difficult task in today’s tighter mortgage environment.  100% financing is a beautiful concept that drove homeownership rates higher over the last decade, but when the housing bubble burst we saw how many borrowers truly could not afford the home that they had purchased.  However, zero down loans continue to perform well under VA home buying program. 

  • 100% Financing with Down-Payment Assistance Loans
  • VA Loans enable 100% Home Financing
  • VA Streamlines enable 100% Mortgage Refinancing

The default rate for veterans and military borrowers remains low with the no money down home loans.  Many underwriters attribute the low default rate to the VA borrower being so qualified.  They have stable employment, strong income and they appear to be motivated to retain homeownership.  These are likely the reasons that the VA loan program is the last no money down home loan and one of the few 100 refinancing options.  FHA financing remains a good option for non-military borrowers, because you only need 3.5% for a down-payment and FHA mortgage rates remain very low.

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Categories : No Money Down Loans

1 Comments

1

I was just wondering..Are these loans just for VA or FHA?? I put an offer on house (short/sale) but did not get the approval as of yet!??…The only thing that stands in my way are the closing costs & down payment..I have 6% back from seller which helps …Closing costs will be around $4,500 plus the down payment…I can’t come up with the down payment..What can I do if anything…..Should I shop around for another lender???The house is just under $45,000….

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