So many renters and potential buyers think they need to have 20% down to qualify for a home purchase or a credit score of 740+ to buy!

Below you will find 4 programs where 20% down is not required nor high credit scores…

VA LOANS by the Veterans Administration:

  • No Down Payment Required
  • Competitive Interest Rates
  • No Private Mortgage Insurance (PMI)
  • Flexible Credit Requirements

FHA LOANS by the Federal Housing Association:

  • Low Down Payment (3.5% Down)
  • Accessible Credit Requirements
  • Government Backing

HOME ONE by Freddie Mac:

  • Low Down Payment (3.0% Down)
  • No Income or Geo Limits
  • Custom Mortgage Insurance (MI) Coverage
  • Allows Many Property Types


  • Down Payment Assistance where one can put zero down.
  • Educational Resources
  • Flexible Eligibility
  • No Geographic Restrictions
  • Must Be Funds Available to Use from the State

For More Info, please go to this link or contact us for more info.  Thank you.

Best Regards,

Rob McCarthy

Senior Mortgage Advisor

650-465-8957 c  408-377-4123 o  408-608-1921 f

CA DRE #01165697  NMLS #121019

101 Loan – 14435 C Big Basin Way, Saratoga, CA 95070



  1. Residential Financing for Purchases and Refinances on 1 to 4 unit properties.
  2. Reverse Mortgage Financing to include Conforming, Jumbo, HELOC Jumbo’s.
  3. Commercial & SBA Financing to include Multifamily, Office, Retail and Light Industrial.
  4. Access to over 60 banks with over 300 “Five Star” Reviews on Yelp, Google, Facebook and Linkedin.

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