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Yes, there is 100% Home Purchase Financing!

 

For many types of credit...

 

Past Credit Problems, OK!

Bankruptcies, OK!

First Time Home Buyers, OK!

 

Loan Programs

 

Orange County Homes and Loans 100% Financing program lets borrowers overcome one of the primary obstacles to buying a homeŚlack of a down payment. More borrowers can now qualify for more house- and this loan is the most popular with First Time Buyer's as well as seasoned homeowners.

Our 100% Financing is available for both purchasing and refinancing a home.

Some helpful guidelines for obtaining our EZ Qualify 100% Financing loan:

  • Credit score of 600 or higher on purchase or refinance transactions

  • No time requirements for bankruptcies

  • Up to 55% debt + housing-to-income ratio

  • First-time homebuyers allowed at a maximum debt ratio of 50%

  • Maximum loan amounts up to $750,000

  • Limited income verification loans available

  • 100% financing available on single-family residences, planned unit

  •      developments, duplexes (2 units), and condos

  • 95% financing available on owner-occupied 3-4 units and condos

  • 3 lines of traditionally rated credit and a 2-year credit history

  • 6% seller-paid non-recurring closing costs allowed

Click Here to compare 100% conventional to an FHA Loan

 

APPLY NOW!  No Obligation!

 

first time home buyer, 100 percent financing, buying a home, first time buyer program, qualify for a home loan

 

 

Click here to find out the amount for which you will qualify

 

 
How 100% Financing Can Help YOU Get the Home You Deserve!

 

Zero Down vs. 3% Down. $200,000 Purchase Price*

 

 

100% LTV**

97% LTV

Amount Financed

$200,000

$194,000

Down Payment

$0

$6,000

Impounded Taxes (6 mos.)

$0

$1,250

Impounded Insurance (2 mos.)

$0

$113

Mortgage Insurance (2 mos.)

$0

$336

PITI Reserves (2 mos.)

$0

$3714

Total Needed To Close

$0

$11,413

     
     

 

* The numbers included here are for illustration purposes only, and may vary based on borrower's payment history, annual interest rate adjustments, etc. All programs, terms and rates are subject to change without notice. Certain restrictions may apply. Contact licensed loan officer for details.

** Borrower is responsible for recurring closing costs only.

 

Click on the link below to APPLY TODAY without obligation and a licensed loan officer will review your information and discuss your options with you!

 

first time home buyer, 100 percent financing, buying a home, first time buyer program, qualify for a home loan

 

Orange County Homes and Loans, Orange County real estate